Track your personal spending alongside shared expenses
Short version: log your own expenses by category in your home currency, add regular income and bills once, and SplitExpenZ shows them on one dashboard next to what you owe and are owed in your groups. Monthly analytics show Spending by Category, your Top Category and Income vs Expenses.
Why keep personal and shared spending in one place?
Most people's month is a mix. Some spending is yours alone: your phone bill, your lunch, your bus fare. Some is shared: your part of the rent, the dinner the group split, the trip you took with friends. If shared bills live in one app and your own spending in another, neither tells you what the month really cost you.
In SplitExpenZ, your share of every group bill counts towards your month alongside the expenses you log for yourself. The dinner you paid for four people counts as your quarter, not the whole bill, because the other three owe you the rest.
How do you log personal expenses and categories?
A personal expense takes a title, an amount, a date and a category. The built-in categories cover everyday spending, such as Food, Groceries, Rent, Transport, Utilities, Healthcare and Subscriptions, with Other for anything that doesn't fit.
Pick the category you would look for later, not the one that is technically most precise. A coffee on the way to work is Food, not Transport. Categories only help if you use them the same way each time, because that is what makes the monthly picture readable.
What does the dashboard show?
The dashboard puts the numbers that matter this month on one screen:
- You owe: what you still have to settle, across every group.
- You're owed: what others still have to settle with you.
- Total Expenses: this month's spending, made up of your personal expenses, your shares of group bills and your planned recurring bills.
- Net Balance: your recurring income against this month's spending.
"You owe" and "Total Expenses" answer different questions. Your share of a group dinner counts in this month's spending whether or not you have paid it back yet. "You owe" only counts what is still to settle.
If some of your groups settle in another currency, such as a trip that settles in euros while your home currency is the rupee, their balances are not added into your totals as if they were rupees. The dashboard tells you how many groups in other currencies still have something to settle, and you see those amounts in each group's own currency.
The dashboard also breaks the month down by category. That breakdown includes everything you spent: personal expenses, your shares of group bills and recurring items, so a category shows what it really cost you, not just the part you logged yourself.
What do the monthly analytics show?
Choose a month and the analytics break it down:
- Top Category: where most of the month's money went.
- Spending by Category: a chart of the whole month by category.
- Income vs Expenses: a month-by-month comparison.
The mobile apps also show your Peak Day, your highest-spending day of the month. Each group has its own analytics too, which helps after a trip or when a household wants to see where the shared money went.
How do recurring income and bills work?
Some amounts come round every month: salary, rent, a phone plan, an insurance premium. Add each one once as a recurring entry, either income or expense, and it counts in every month it applies to. You can also add one-time income for a single month, such as a bonus.
The Recurring page shows your Monthly Income, Monthly Expense and Net Balance: what comes in, your fixed costs, and what is left over. Here is an illustrative month with made-up numbers:
| Entry | Type | Amount |
|---|---|---|
| Salary | Income | ₹85,000 |
| Rent | Expense | ₹22,000 |
| Phone and internet | Expense | ₹1,500 |
| Insurance premium | Expense | ₹3,500 |
| Left over after fixed costs | ₹58,000 |
Recurring entries are personal. They belong to you, not to a group, so a shared monthly cost like the flat's rent is added to the group as a new bill each month. Your share of it then shows up in your month like any other group bill.
Can you import bank SMS on Android?
In India, yes. The Android app can read transaction messages from supported Indian banks and payment apps, with your permission, and turn them into expenses, so you don't have to type each one. Only the transaction details, such as the amount, merchant and date, are saved. The message text itself stays on your phone.
This is only in the Android app, and only for supported Indian banks and payment apps. It isn't available on iPhone or on the web, and banks outside India aren't supported.
Which currency are your personal expenses in?
Personal expenses are recorded in your home currency, which you set as the Default currency in Settings. A new account starts in the currency of the country you choose, if SplitExpenZ supports it.
Spending abroad belongs in a Foreign trip group, which is built for bills in other currencies. If you change your home currency later, expenses you already logged keep the currency they were recorded in, so older amounts are never relabelled.
For the shared side of your month, read how to split roommate and group expenses fairly. If you travel with cash, see our guide to a shared trip pool and personal allowances. The apps for Android and iPhone are on the download page, and pricing explains what is free and what the optional Premium subscription adds.