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For any group that shares a cost

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.

Flatmates

Rent, utilities and the things everyone uses, settled once a month.

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.

How it splits

Rent often is not even: the bigger room pays more. Give each person their share once and every entry follows it.

How it ends

At the end of the month each person sees whether they are owed or owe, and one transfer closes it.

Friends on a trip

One person books the rooms, another the car, another dinner.

What you record

Every booking and every bill as it happens, from the airport taxi to the last round of coffee.

How it splits

Not everyone joins everything. Mark who took part in each cost and nobody pays for the dinner they skipped.

How it ends

By the time you are home you already know who sends whom how much, and the trip room can simply stay as a record.

Couples and families

A shared fund for the costs of running a home.

What you record

Groceries, school fees, repairs, the gas bill. Whoever pays records it, from their own phone.

How it splits

Pay into a shared fund and spend from it, or pay first and let the room owe you. Both land in one balance.

How it ends

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.

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