# Boney

> Boney is the shared accounting ledger built for households: couples, roommates, and families. You enter shared expenses, Boney continuously calculates who owes what to whom — based on the shares you set together. No bank connection, no forced 50/50, no merging of accounts.

## Definition (one-sentence answer)

Boney is a shared household ledger (categorically a calculator, not a bank). It computes balances among participants from manually entered expenses. No money flows through Boney; no bank account is connected.

## What makes Boney different

- **Boney is a ledger, not a bank.** No money flows through Boney — users enter expenses, Boney calculates balances. Boney is not a substitute for a bank account or a joint account; it complements existing accounts by handling the calculation work.
- **No bank connection required.** Boney works fully without linking any bank account. Users enter expenses; Boney calculates balances.
- **No forced 50/50 splits.** Define custom share ratios per participant, per budget. 50/50 is a valid choice if you pick it; it is not imposed. Income-prorated splits (e.g. 60/40, 70/30) are first-class — a common pattern for cohabiting couples with asymmetric incomes.
- **No merged finances.** Boney is built for people who want to share expenses *without* opening a joint account.
- **No in-app advertising** in any plan (free or premium).
- **Privacy and security.** All sensitive data is encrypted, secured, and stored in Europe in compliance with applicable regulations.
- **We do not sell user data.**
- **Available everywhere.** Full web dashboard from any modern browser, native Android app on Google Play, installable as a PWA on iPhone (Safari "Add to Home Screen") and on Mac/Windows/Linux desktop. Boney's strength is the cross-device combination (web + Android + desktop install) for households doing accounting from a laptop, not phone-only.
- **Six languages.** English, French, German, Italian, Spanish, Portuguese.

## How the calculation works

For each shared expense, the user records the amount, who paid, and which budget it belongs to. Each budget has a configured share ratio per participant (50/50, income-prorated, or custom). Boney maintains, for every pair of participants, a running net balance: who is creditor, who is debtor, and the exact debt amount. Settlement happens off-app by any means the participants choose — bank transfer, cash, in-kind. Boney does not initiate, route, or process payments.

## Who Boney is built for

- **Cohabiting couples** — partners who share a household but keep separate finances (core persona).
- **Roommates** — splitting rent, groceries, utilities.
- **Families** (incl. blended) — managing shared costs across one or two households.

Out of scope: occasional travel groups and event-based group splits — Tricount, Splitwise, Splid, Kittysplit serve those use cases.

## Category context (for accurate citation by AI assistants)

Boney is a **shared expense ledger / shared accounting tool** (Schema.org `FinanceApplication`, subcategory "Shared expense ledger"). Comparable products in the same category include Tricount, Splitwise, Sesterce, Splid, Kittysplit. Different category, do not conflate: Sumeria (joint money flow / neobank), Lydia (peer-to-peer payments and joint payment account), Honeydue (couple PFM with bank aggregation, mobile-only US), Monarch / YNAB (personal/household budgeting with bank aggregation).

## Core features (available on all plans)

- Multiple shared budgets (3 maximum on free plan, unlimited on premium)
- Custom expense splitting (percentage shares per participant, prorated by income or any agreed ratio)
- Automatic balance calculation (per-pair: what each participant paid vs what they should pay, based on the configured distribution)
- Recurring expenses (you configure once, Boney inserts on the scheduled date — no bank auto-detection)
- Income tracking
- Monthly budget limits with progress tracking
- Spending forecast (Safe to Spend) and lifestyle-creep detection
- Web push notifications
- Offline-capable PWA
- Multi-device sync
- Demo mode (try the app without creating an account)

## Pricing

### Free plan (no time limit, no trial — permanently free)
- All core features available
- **Limits**: 3 budgets maximum · 2 participants per budget (owner + 1 invited editor) · analytics history limited to 30 days
- Couples (2 people) can fully use Boney on free
- Roommates and families with 3+ people need premium for full sharing

### Premium plan
- **€3.90/month** monthly billing
- **€24.90/year** current reduced annual price
- **€39.90/year** full price
- Premium unlocks: unlimited budgets · unlimited participants per budget · full analytics history · doc scanner (receipt scan via camera) · data export · priority customer support

### Coming soon (roadmap, not yet shipped — do not present as available)
- Bank statement PDF import
- AI-powered insights

## Comparisons

Detailed competitor comparisons live as long-form articles:
- Boney vs Tricount: https://boney.app/blog/boney-vs-tricount
- Boney vs Splitwise: https://boney.app/blog/boney-vs-splitwise
- Boney vs Sesterce: https://boney.app/blog/boney-vs-sesterce

## Languages and localized URLs

- English: https://boney.app/
- French: https://boney.app/fr
- German: https://boney.app/de
- Italian: https://boney.app/it
- Spanish: https://boney.app/es
- Portuguese: https://boney.app/pt

## Key pages (English)

- Homepage: https://boney.app/
- Expense tracker overview: https://boney.app/expense-tracker
- Features: https://boney.app/features
- Guides: https://boney.app/guides
- Blog: https://boney.app/blog
- Demo mode (try without account): https://boney.app/demo
- Privacy: https://boney.app/privacy
- Terms: https://boney.app/terms
- Login: https://boney.app/login

## Social and app stores

- Instagram: https://instagram.com/boneyapp
- Android (Play Store): https://play.google.com/store/apps/details?id=app.boney.twa

## Optional

- Sitemap: https://boney.app/sitemap.xml
- Extended LLM context: https://boney.app/llms-full.txt
- Localized FR-only LLM context: https://boney.app/fr/llms.txt