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Split the joint costs, simply
For two people the problem is not the maths — it is remembering. Groceries paid by one, dinner by the other, electricity taken from a single account. A month later nobody knows where things stand.
Create one ongoing group for the two of you and add the joint costs as they happen. WeSplit keeps a running balance: a single number saying which of you has fronted money for the other. The costs that come back — rent, subscriptions, energy — are created once and repeat on their own. A transfer now and then resets it to zero.
What WeSplit does, and what it does not
What it does: track the joint costs, the ones one of you fronts for both. The balance is always current, and the app suggests the transfer that clears it.
What it does not: your budget. WeSplit does not connect to your banks, does not categorise your personal spending and will not tell you that you eat out too much. It is a tool for accounts between people, not a budgeting app — which is exactly why it takes two minutes a week.
Fifty-fifty, or proportional
Both work, and the choice is nobody else’s business.
Fifty-fifty. The cost splits equally. Simple, readable, and fine when incomes are close.
Proportional to income. Each contributes in line with what they earn. Handled with shares: if one earns $3,200 and the other $4,800, a 2/3 split lands very close to exact proportion without recomputing a percentage on every expense.
A shared pot. Each transfers a fixed sum to a joint account, and only the costs paid outside the pot go into the group.
The real consequences of each method — including what happens if you separate — are set out in our guide to money as a couple.
Day to day
- Recurring costs — rent, internet, energy, subscriptions — are created once.
- Groceries and outings take ten seconds to log, at the moment of paying.
- What is not shared simply does not go into the group.
- The balance stays visible: a single number, readable without asking the other person.
- Repayment happens by transfer, then gets recorded in the group.
That is the part that actually matters: no more awkward message three weeks later. The number is there, all the time, for both of you.
Frequently asked questions
Should couples split everything fifty-fifty?
Nothing says so. An equal split is simplest when incomes are close; proportional to income is fairer when they are not. WeSplit handles both, and you can change your mind later.
Does WeSplit connect to my bank?
No, and there are no plans to. Expenses are entered by hand, which has the advantage of only letting into the group what is genuinely shared.
Can rent and subscriptions be handled automatically?
Yes. A recurring expense is created once and repeats every week or every month, with the split you chose.
Can we use WeSplit without the other person installing the app?
Yes. The invite link opens the group in the browser. A free account is still needed to log expenses.
What if we separate?
The group shows the balance and the transfer that clears it. You can export the full history as CSV to keep a record.
One number, always current
Free, no ads, on iPhone, Android and in the browser.
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