What you record
Rent and electricity on the day they are paid, the internet bill, the washing powder somebody picked up on the way home.
Flatmates, friends on a trip, a couple, a whole family. Different groups, the same problem: somebody pays, somebody else owes, and nobody wants to be the one keeping the accounts.
Rent, utilities and the things everyone uses, settled once a month.
Rent and electricity on the day they are paid, the internet bill, the washing powder somebody picked up on the way home.
Rent often is not even: the bigger room pays more. Give each person their share once and every entry follows it.
At the end of the month each person sees whether they are owed or owe, and one transfer closes it.
One person books the rooms, another the car, another dinner.
Every booking and every bill as it happens, from the airport taxi to the last round of coffee.
Not everyone joins everything. Mark who took part in each cost and nobody pays for the dinner they skipped.
By the time you are home you already know who sends whom how much, and the trip room can simply stay as a record.
A shared fund for the costs of running a home.
Groceries, school fees, repairs, the gas bill. Whoever pays records it, from their own phone.
Pay into a shared fund and spend from it, or pay first and let the room owe you. Both land in one balance.
Everyone looks at the same total, so the end of the month is a number rather than a conversation.
Money between people who share a home rarely goes wrong over what was spent. It goes wrong over what nobody remembers.