Smart Expense Splitting
Why this feature?
Managing shared expenses is often a headache. Between those who pay, those who forget, those who need to "settle up," and the little tensions that build up... you end up tracking everything by hand or giving up altogether. And yet, in a couple, a shared flat, or a family, shared expenses are part of daily life.
With smart expense splitting in Boney, everything becomes simple, smooth, and fair — no need to pull out a calculator or send a bank transfer.
What it allows you to do
Every time a member adds an expense to a shared budget, they can indicate who is involved and how the expense should be split. Boney automatically calculates who owes what to whom, taking into account all past and present group expenses.
No need to manually reimburse — everything balances out with new expenses. And if an expense only concerns one person? No problem: it's recorded for tracking, but doesn’t create any debt.
Usage examples
Imagine Léa and Lucas, a couple with a shared budget. Léa pays €100 for an outing. The planned split is 60/40: Lucas will automatically owe €40 to Léa.
Later, Lucas pays €20 for a personal purchase. Since he’s the only one concerned, the expense appears in the history but doesn’t create any debt.
In a shared flat, Clara, Emma, and Jules share an electricity bill. The split is 40/40/20. No problem — Boney adapts and adjusts everyone’s balance accordingly.
Even solo users benefit: Hugo uses a personal budget to track his work-related expenses, with no sharing but the same traceability logic.
What you gain
No more “how much do I owe you again?”, no more Excel spreadsheets, or separate apps to split costs. With smart splitting:
- Everything is in one place, clear and transparent
- Each member sees their real-time balance, in their own currency
- Personal and shared expenses coexist without confusion
- Balances adjust automatically with every new expense
And most importantly: everyone can contribute in their own way, without worrying about “when” or “how much.”
How it works
When you add an expense, you specify the amount, who paid, who benefited, and how it’s split (equally or custom). Boney handles the rest:
- It records the expense
- It automatically splits the amounts
- It recalculates debts between members
- It updates each member’s balance
If you're the only one who benefited? No worries — it shows up in your history, but doesn’t create any debt.
And all of this happens without you having to confirm anything.
And this is just the beginning…
Smart expense splitting is more than just a tool — it’s a new way to approach shared financial management, friction-free.
This foundation opens the door to many more features: better understanding where your money goes, fine-tuning contributions, or analyzing group spending habits. It frees you from the math so you can focus on what really matters: living together, simply.
