Boney is a shared accounting ledger built for households: couples, roommates, and families. It continuously calculates who owes what to whom from the expenses you enter, with no bank connection and no money flowing through Boney. Free up to 2 participants, premium starting at €3.90/month for larger groups.

Which platforms is Boney available on?

Full web app in any modern browser, iOS app on the App Store, Android app on the Play Store, and installable as a desktop app on Mac, Windows, and Linux. Your accounts follow you everywhere, synced automatically across devices.

Is Boney really free?

Yes. The free plan is permanent and no credit card is required. You get up to 3 budgets, 2 participants per budget, and 30 days of analytics history. Entering expenses, recording income, and scheduling recurring entries stay unlimited.

How do you share expenses without a joint account, and what happens to my money?

Good news: no money flows through Boney. You keep your existing bank accounts. You enter each shared expense and note who paid; Boney continuously calculates who owes what to whom. You settle up however you like — bank transfer, cash, or buying the next round.

What if there are more than two of us?

Free is limited to 2 participants per budget. For a household of 3+ roommates or a family, Premium unlocks unlimited participants and unlimited budgets. Premium is €3.90/month or €24.90/year, unchanged on renewal.

Shared household ledger

Share the expenses, stay independent

Everyone logs their own expenses, Boney works out who owes what. No one keeps the books for anyone else.

Free with no time limit · premium €24.90/year

No bank connection
Multi-device: web, Android, desktop
No ads

Couples — live together, keep your own accounts

Roommates — everyone sees the same numbers

Families — one household, several contributions

All pooled — see where the household money goes

Who owes how much to whom?

No one keeps the books: every expense logged updates the balances. Everyone sees who paid up front, who owes how much and to whom — no mental math, no receipts to keep. Settling up happens outside the app, whenever it suits.

Choose the sharesFifty-fifty, 60/40, or all on one: the split is agreed together, once and for all.

Let recurring entries come back on their ownRent lands on the 5th, insurance on the 12th. Set once, then nobody thinks about them.

Personal stays personal, shared stays sharedFriday drinks with colleagues never show up in the household books.

You always know where you stand, without going back to the spreadsheet.

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.

Five guarantees, valid on every plan.

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.

Pricing: free to start, premium when your household grows

Each partner keeps their own personal zone, with shared budgets in common. Free covers couples (2 participants, 3 budgets). For 3+ people, premium opens the budget to your full roommate group or family.

Recommended

€24.90/year, or €2.08/month. This price does not change on renewal.

FAQ

Frequently asked questions

Answers to the questions we hear most often.

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.

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.

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