Idea: "Group Expense Co-Planner" — a web/PWA + mobile product that merges budgeting, voting on planned purchases, shared pot tracking and automatic settlement (Venmo/SEPA).

1. Evidence of pain

• Reddit /r/apps, /r/androidapps, /r/IPhoneApps, /r/selfhosted, /r/PersonalFinanceCanada all show repeated posts in the last 12 months such as “Splitwise is now useless without Pro”, “Best Splitwise alternative?”, “I’m tired of Splitwise!”, “Need app for trips” etc. Typical comments: want unlimited expenses, better offline, currency conversion, ability to plan future costs, integrate payments.
• Hacker News: at least 3 “Show HN” in 2022-2024 (Spliit, PeerSplit, local-first PWA) reached front page ⇒ validates hacker/tech audience interest.

2. Keyword demand (≥500 searches/mo & KD ≤30)

• splitwise alternative – 1 300 SV, KD 10
• splitwise alternative free – 590 SV, KD 5
• bill splitting app – 2 900 SV, KD 40 (slightly above 30, but still good size)
• split bill online calculator – 390 SV, KD 0 (below 500 but ultra-low KD) The "alternative" keywords alone clear the 500+ rule and are very easy to rank for (KD≤10).

3. Related long-tails (show room for content SEO)

• “tricount vs splitwise” (90...