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Sharing costs, made clear
Answers to the questions that come up when several people front money for everyone. No jargon and no magic trick: the rule that applies, the method, and where it actually goes wrong.
Splitwise alternatives: what to use in 2026, and what actually matters
Every one of these apps does the maths correctly. The real difference is elsewhere: what they limit, what they do with your data, and what makes your friends actually record their expenses.
5 min read
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Splitting children's costs after a separation: who pays what
Maintenance covers the everyday. Everything else is the one-off costs, and that is where it breaks down: no arrangement tells you what to do with a dentist's bill lying on the table.
6 min read
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How to split bills with roommates without falling out
A flatshare almost never argues about rent, which is written down. It argues about the €340 of groceries, electricity and broadband that somebody fronted last month.
5 min read
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Who owes who: how the calculation actually works
Five people, seventeen expenses, four different payers. The question is always the same, and it has exactly one right answer: how much does each person owe, and to whom.
5 min read
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Group trip budget: how to stop one person paying for everything
The trip gets planned. The budget does not. The result is one person putting down €1,400 six months out, and nobody knowing where things stand on departure day.
5 min read
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Splitting expenses as a couple: three methods, and how to choose
The question is not who pays what. It is what counts as fair when one of you earns €1,800 and the other €3,200. The three usual answers do not produce remotely the same result.
5 min read
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Stop keeping the tally in your head
Kotisso records who paid what and works out the balances as you go. The tally is free, with no bank account to connect.
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