Everyone knows that university is stressful at the best of times. And so, the last thing anyone wants is to be spending time trying to work out how to split the bills with your housemates. Luckily there is now a range of apps that can do the hard work for you. So, here is our round up of the best bill splitting apps to suit all your student needs.
Splitwise
With a range of features including an offline mode, the ability to add groups and friends, and the option to split by percentage or shares, Splitwise is a great way to keep track of expenses on nights out as well as your household bills. This app also gives you the option to use over 100 different currencies and would be a great solution if you are trying to organise holiday costs. Splitwise’s activity page means you can easily keep track of what you owe and are owed. What’s more, the dedicated group section means it would be easy to have everyone in the house on the same page with the bills.
Tricount
Tricount makes splitting bills fast and effortless. Its simple three-step system lets you set up a shared page with everyone involved, add all your expenses — from household bills to nights out — and instantly see exactly what each person owes. You can even attach images such as receipts, so there’s no confusion later, and choose to get notified whenever friends add new expenses.
The app is totally free for unlimited groups and expenses with no hidden caps. There are no ads or distractions, and you can add as many costs as you like without limits. It works offline, making it perfect for travel or areas without a stable connection, and participants don’t need to create an account to join and settle up. Tricount supports multiple currencies with real-time automatic conversion, and it can automatically track expenses in Dutch, French, German, Spanish and Italian. It’s available in 37 languages out of the box and is highly rated, with an impressive 4.8 stars in the App Store.
Splid
Like many of the apps on this list Splid uses a simple interface and groups to make your expenses easy to keep track of. However, this app will also automatically convert to and from over 150 currencies. Meaning that international expense settling is still simple to manage. The app also has the option to split your bills unequally. So drinks tabs, food shops, or dinners out could be divided up based on individual items if you prefer.
Acasa
Acasa is promoted as the tool you need so you never have to worry about your bills again. After setting up your household on the app, the hard work is done for you. It helps you to organise all of your services, like your broadband and energy, through the app. So, if you’ve just moved into a new house at the start of term this may be the way to get all your household necessities sorted. You can get notified when your bills are due so you’ll never be surprised with a last minute charge. Or, you can look at their bills included option, which takes the payments and manages the finances in the background.
Housemate
Although this app was created by NatWest, it works well with any UK bank account. You are able to add your bills directly from your account and send gentle reminders to your housemates to pay their share. The app also keeps a full list of all the transactions, so you can keep on top of your budget. Additionally, housemate is partnered with Expedia to help improve your financial future. Their ‘Credit score checklist’ shows you how to make it more affordable to be lent money in the future. And, can get your rent payments recognised. This means that down the line your record is easier for lenders to find.
So there are some of our picks for the best bill splitting apps. With easy group payment systems and the ability to track payments in multiple currencies, there is an easy way for everyone to keep on top of their finances. And, avoid all those awkward conversations about money with your flatmates.
FAQs on the Best Bill Splitting Apps for Students
Look for group tabs, recurring expenses, custom splits by percentage or shares, receipt scanning, notifications, and easy settle up options. Cross platform support on iOS and Android is important so everyone in the house can join without issues.
Students often use Splitwise for shared houses and trips, Monzo Shared Tabs for those who bank with Monzo, Revolut Groups for users on Revolut, and Settle Up or Splittr for simple group expense tracking. Pick the one most of your friends already have to reduce friction.
Most offer a solid free tier that covers core features like creating groups, adding expenses, and calculating who owes who. Some provide optional paid upgrades for extras such as receipt scans, advanced reports, or multiple currencies. The free versions are usually enough for a student house share.
Some banking apps with shared tabs let you pay each other in app. Standalone split apps usually track who owes who and then link out to bank transfers or payment services to settle up. Check whether your bank supports instant payments to make settling fast and fee free.
Create a recurring monthly tab for rent, utilities, internet, and shared food. Use custom shares if one person has the bigger room or is away for part of the month. Add expenses as they happen and agree a settle up date, for example the last day of each month, to avoid awkwardness.