7 Best Apps for Splitting Rent & Expenses with Roommates (2026)
Tired of the "Venmo me" texts and mental math after every grocery run? These apps end the awkward money conversations—so you can focus on being good roommates, not accountants.
Common Roommate Expenses to Track
Rent & Utilities
Split rent, electricity, gas, water, and internet bills automatically.
Shared Groceries
Track grocery runs and shared household items fairly.
Common Subscriptions
Divide Netflix, Spotify, and other shared streaming services.
Household Items
Track paper towels, cleaning supplies, and other shared purchases.
Savida
★ 4.9Best Overall for Roommates
The only app that combines rent splitting with personal budgeting. Set up automated rules for recurring expenses like utilities, groceries, and subscriptions.
Pros
- • Automated split rules
- • Bank sync (premium)
- • Personal budgeting too
- • AI expense detection
- • In-app community
Cons
- • Bank sync requires premium
Splitwise
★ 4.4Most Popular Choice
The go-to app for splitting expenses with a large user base. Simple IOU tracking but lacks budgeting features.
Pros
- • Large user base
- • Simple interface
- • Works offline
- • Receipt scanning
Cons
- • No bank sync
- • No automation
- • Ads in free version
- • No personal budgeting
Tricount
★ 4.2Good for One-Time Events
Simple expense tracker originally designed for trips but works for roommates too. No account required.
Pros
- • No sign-up needed
- • Multi-currency
- • Simple to use
- • Offline mode
Cons
- • No bank sync
- • Basic features
- • Manual entry only
- • No budgeting
Settle Up
★ 4.1Best for Debt Simplification
Calculates the minimum number of transactions needed to settle all debts between roommates.
Pros
- • Debt simplification algorithm
- • Offline support
- • Simple UI
- • Export features
Cons
- • Very basic features
- • No automation
- • No financial insights
- • Manual entry
Venmo
★ 4Best for Quick Payments
Not really a splitting app, but social payments make it easy to request money from roommates after you've calculated shares.
Pros
- • Instant payments
- • Social feed
- • Wide adoption
- • Easy to use
Cons
- • No expense tracking
- • Must calculate yourself
- • No recurring splits
- • Privacy concerns
Zelle
★ 3.8Best for Bank Transfers
Built into most banking apps. Fast transfers but no expense tracking or splitting features.
Pros
- • Built into banks
- • No fees
- • Instant transfer
- • Secure
Cons
- • No splitting features
- • Just payments
- • Manual calculation
- • No tracking
Honeydue
★ 3.9Best for Couples as Roommates
Designed for couples sharing finances. Works if you're living with your partner but limited to 2 people.
Pros
- • Couples-focused
- • Shared accounts
- • Bill reminders
- • Good UI
Cons
- • Only 2 people max
- • Not for friend groups
- • Limited features
Tips for Splitting Expenses with Roommates
Set expectations early: Agree on how you'll split common expenses before moving in together.
Use automation: Apps like Savida can auto-split recurring expenses so no one forgets.
Settle regularly: Don't let debts pile up. Settle weekly or monthly to avoid resentment.
Be transparent: Share receipts and keep everything logged so there are no surprises.
Related Comparisons
Make Roommate Finances Easy
Savida automates expense splitting, tracks who owes what, and helps everyone stay on budget. No more awkward money conversations.
Download Savida Free