Hosting your bill anywhere is just waiting for your data to be sold or leaked. You can keep your split bill fully encrypted and only shared between the people that you trust: https://webxdc.org/apps/#durian-splitbill

Usable in XMPP based Cheogram, or Delta Chat for e2ee bill splitting.

Read more: https://delta.chat/en/2025-01-23-webxdc-no-billionaires

Replacing billionairish platforms with ZIP files

It’s 3 lines of code in basically every programming language, no need for selfhosting, just open the terminal?