Create a home-expenses book
Record rent, internet, electricity, cleaning supplies, and shared groceries away from unrelated personal spending.
HOUSEHOLD MONEY, SORTED
A roommate expense tracker for rent, utilities, and shared bills
Give rent, internet and groceries a clear household record. For every bill, select who paid and who participated, divide it equally or by exact amounts, and review who owes whom before recording repayments.
One household book Each bill keeps its payer
HOUSEHOLD EXAMPLE
Illustrative · USDThree roommates, two bills
Total household costs$150.00
InternetPaid by Maya$90.00
GroceriesPaid by Omar$60.00
Each person's agreed share across both bills
- MMaya$50
- OOmar$50
- LLina$50
This is an explanatory example, not a product screenshot or your account. Obligations stay with each bill; the app does not automatically net them.
Keep roommate bills organized month after month
A repeatable record is especially useful when different roommates pay different bills or the person responsible changes.
Track each roommate separately
Open Split on the household expense, add the roommates involved and choose equal or exact amounts. Their agreed balances stay linked to the bill.
Add due dates and settlements
Set a repayment date where needed, share a balance summary, and record Pay or Receive when the roommate settles.
Example: three roommates share internet and groceries
Illustrative example: Maya pays $90 for internet and Omar pays $60 for groceries. Maya, Omar and Lina share both bills equally, so each person’s share is $30 for internet and $20 for groceries.
Internet · Maya paid$90
Equal shares: Maya $30, Omar $30, Lina $30.
- Omar owes Maya$30
- Lina owes Maya$30
Groceries · Omar paid$60
Equal shares: Maya $20, Omar $20, Lina $20.
- Maya owes Omar$20
- Lina owes Omar$20
Every roommate's combined share is $50 across the two bills, but that is not a settlement amount. Each recorded obligation belongs to its original bill; Nivora does not automatically cancel debts between people.
Record expenses
Add both household costs
Maya records the $90 internet bill and Omar records the $60 grocery bill with their own payer and participants.
Record shares
Add each agreed balance
Internet shares are $30 each: Omar and Lina each owe Maya $30. Grocery shares are $20 each: Maya and Lina each owe Omar $20. Each obligation remains attached to its own bill.
Settle
Record money when it is repaid
Record repayments against the individual split obligation after roommates actually pay outside Nivora. Do not assume payments or different obligations are automatically netted.
Useful for real shared-household routines
A useful shared record, even when different people cover different purchases.
One history for recurring costs
Keep rent, Wi-Fi, electricity, gas, water, and other repeating expenses in the same searchable record.
A balance per roommate
Avoid one confusing combined total by keeping a dedicated ledger and settlement history for every person.
Receipts and statements
Attach supporting documents to transactions and create a clear statement when someone needs to review the numbers.
You choose the household’s splitting rule
Nivora does not assume every bill is divided equally. Roommates choose Equal or enter Exact monetary amounts for each person; percentage arrangements require calculating exact amounts first. Each bill keeps its own payer and obligations. Nivora does not move money or automatically net separate bills.
Frequently asked questions
What to know before adding bills for your shared home.
Can I track a different amount for each roommate?
Yes. Choose Exact amounts in the Split dialog to give participants different monetary shares. Each saved bill retains its own payer and obligations.
Can I keep proof of a utility payment?
Yes. Attach a receipt, bill image, or document to the related transaction so the source amount can be checked later.
Can a roommate view a statement without an account?
A read-only temporary People statement can be shared where available, but obligations between other people remain attached to their split, not your own People balance.
EXPLORE MORE
Everything your shared home needs
See the full bill-splitting workflow and explore the tools for debts, regular bills and transaction history.