Monthly Expense Splitter
Track all flatmate expenses — rent, electricity, maid, groceries, and more. See exactly who owes whom at the end of the month.
Flatmates
Quick add common expenses:
Paid by:
Split among:
Paid by:
Split among:
Paid by:
Split among:
Monthly Summary
Total Expenses
₹22,300
Person 1
paid ₹20,800(₹7,433 equal share)
Person 2
paid ₹1,500(₹7,433 equal share)
Person 3
paid ₹0(₹7,433 equal share)
Who Owes Whom
Person 3 owes Person 1
₹7,433Person 2 owes Person 1
₹5,933How this works
Each expense tracks who paid and who shares the cost. The tool calculates the net balance for each person and then finds the minimum number of transactions needed to settle all debts — using a greedy simplification algorithm. This mirrors exactly how Niptao works for real groups.
City guides for splitting expenses
Frequently asked questions
- Does every expense have to be split among all flatmates?
- No. Each expense has its own payer and its own list of who it's split among — so a groceries bill only two of you bought can be split between just those two, while rent splits among everyone.
- What expenses come pre-filled?
- Rent, electricity, wifi, cooking gas, maid/cook, and groceries — common flatmate costs with typical amounts you can edit, plus you can add any custom expense.
- How does it work out who owes whom?
- It totals what each person paid versus their fair share across all expenses, then simplifies the result into the fewest payments needed — so three people with crisscrossing debts might only need one or two transfers, not six.
- Is this monthly expense splitter free, and do I need to sign up?
- It's completely free with no signup. To track this month to month automatically and settle via UPI, Niptao (also free) does the same math and sends reminders.
Need to track shared expenses every month?
Niptao is a free bill splitting app — track shared expenses and settle via UPI. No more WhatsApp reminders.
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