Share household expenses, without merging your accounts
You enter the expense, Boney calculates who owes what — based on the shares you set together.
See a live demo →
- No bank connection
- Multi-device: web, Android, desktop
- No ads
How do you settle household expenses, without a spreadsheet?
The Sunday-night shared spreadsheet, the reminder you never send, the end-of-month argument over who paid the rent. You already knew who owed what — you just didn't want to do the math.
You keep your own accounts, you see the same numbers, and no one has to play household accountant.
Clear, calm, shared.
What Boney does, and what it doesn't
Boney calculates who owes what between participants from the expenses you enter. It keeps the household books, reminds you of recurring entries, and shows balances in real time. Boney does not touch your bank accounts, does not move your money, and does not connect to any bank.
What Boney does
- Calculates who pays what, who owes what.
- Keeps the household books in real time.
- Reminds you of recurring expenses (you set them up, Boney adds them on the scheduled date).
- Shows the balances, in plain view.
What Boney does not do
- Does not touch your bank accounts.
- Does not move your money.
- Does not connect to your bank.
- Does not send transfers or payments.
- Does not store your banking credentials.
- Does not replace a joint or shared bank account.
How do you get started with Boney in a few minutes?
Three steps to get going: create your shared budget (daily life, vacation, roommates), invite the people involved (partner, roommates, parents), and choose your shares (50/50 or ratios adjusted to your incomes). No credit card required, no spreadsheet to maintain.
Create your shared budget
One budget per scope — daily life, vacation, roommates. Name it, pick the currency, you're set.
Invite the people involved
Partner, roommates, parents: invite them to the budget. No credit card needed to get started.
Choose your shares
50/50, prorated by income, or any other ratio you agree on together. Editable at any time.
How Boney helps you day to day
Enter expenses as they happen
One expense, two seconds. No need to wait until end of month to settle up — it's already done.
Let recurring entries come back on their own
Rent, subscriptions, internet, insurance: set up once, added on the scheduled date. You stop thinking about them.
Check the balances before settling
The net balance between participants, always up to date. You know where you stand before suggesting dinner out.
Who owes what to whom?
You see the balances in real time.
Boney continuously calculates the net balance between each participant, updated with every expense you enter. You see who is owed money, who owes money, and the exact amount, with no mental math and no receipts to keep. You settle up whenever you want, however you want — Boney does not handle the settlement or the payment.
You always know where you stand, without going back to the spreadsheet.
Our commitments
Five guarantees, valid on every plan.
Encrypted data stored in Europe, full independence from your bank, zero advertising, free demo mode, and a written promise that we will never sell your data.
Your expenses together, your accounts apart.
Encrypted data stored in Europe
All sensitive data is encrypted, secured, and stored in Europe in compliance with applicable regulations.
No advertising
No ads on free, no ads on premium. Ever.
No bank connection
No bank linked, no banking credentials stored, no transactions auto-detected.
We do not sell your data
We do not sell user data. Boney is funded by its subscribers, not by your data.
Demo mode, no signup
Explore the product with a sample household — no email, no password.
Looking for an alternative to Tricount, Splitwise, or Sesterce?
Want a simple, intuitive alternative to Tricount, Splitwise, or Sesterce? Compare the approaches without the sales pitch — and decide for yourself which one fits your household.
Pricing: free to start, premium when your household grows
Free covers couples (2 participants, 3 budgets). For 3+ people, premium opens the budget to your full roommate group or family.
About €2.07 per month. Save around 47% with the annual plan.
Frequently asked questions
Answers to the questions we hear most often.
Your shares, your accounts, your balances.
The shared household ledger your home deserves — free to start as a couple, no credit card, no ads, on every device.