Split the household bills without keeping score in your head

The household bills, always current

You create a group with whoever you share expenses with, and each of you logs what you pay for. Kesef keeps the balance current: each new expense is split and the result is a single line — how much you're owed, or how much you owe. There's nothing to work out, not at the end of the month and not along the way.

It's the use that lasts, because it doesn't end: the household group stays open all year and both of you log every month. Fixed expenses that repeat — rent, service charges, utilities — can be set as recurring, so you don't even have to remember.

You both see the same thing, right away

The balance recalculates whenever either of you logs an expense, and you both see it at the same time. There's no spreadsheet that one person updates and the other checks when they remember, which is exactly the point where these accounts stop being kept.

The number you see is the net one, not a list of cross-debts. If you owe Juli and Juli owes Bruno, the money doesn't need to go all the way around: Kesef has already simplified it.

You choose how each expense is split

Halves is the most common case, but it isn't always the fair one. So each expense can be split four ways, and you pick per expense — not once for the whole group:

• Evenly: divided among whoever took part, and done.
• By percentage: 60/40 if one of you earns more, or whatever proportion you agreed.
• By shares: useful when someone has the big bedroom in a shared flat, or ate for two at dinner.
• By exact amounts: you type what each person owes, for when the split follows no rule at all.

Choosing per expense is what lets the system survive real life: rent can go 60/40 by income and last night's dinner can go evenly, inside the same group and without reconfiguring anything.

Inviting is a link, and it's free for everyone

You share the invite link however you like and whoever opens it joins the group. They don't need a subscription: shared expenses are on the free plan, both for whoever creates the group and for everyone who joins. A group where half the people can't see the balances is worth nothing.

It does need the free account, which you create with Apple or Google in one tap. It's the only place Kesef asks for one, for a concrete reason: a group is information that has to reach several phones at once, and for that the data can't live only on yours. For everything else — your own expenses — Kesef works with no account at all.

infoNo cap on groups or participants on the free plan.

And for the one trip a year, with every expense in a different currency

The same group works for the other classic case, the trip. There the problem compounds: you paid the hotel in reais, the flights in dollars and the meals in pesos, and adding that up by hand means looking up each day's exchange rate. Kesef converts each expense as it's logged, and the group balance ends up in a single currency.

The conversion happens when the expense is recorded, not when you look at the balance — so the number doesn't drift on its own afterwards, which is exactly what destroys trust in a shared calculation.

Settling up doesn't pollute your own numbers

When someone transfers you what they owed, it's recorded in the group as a settled debt — not as income of yours. And when you're the one paying, it doesn't show up as a new expense either.

That sounds like a detail and isn't: if settling counted as a movement, a month where the group squared up would look like a month of enormous income that never existed, and your personal spending summary would be useless. Shared expenses reach your numbers through the part you actually paid, no more and no less.

What people use it for

• Couples: rent, groceries and utilities, split without keeping score in your head.
• Shared flats: service charges and utilities, month after month, with the same group open all year.
• Trips: several currencies and someone fronting almost everything.
• Nights out: dinner for twelve where one person paid and it has to be divided without leaving anyone out.