Can I still split unevenly per expense?

Yes — percentages, shares or custom amounts, on top of your default rule.

Will I get reminded to settle?

Yes, when the balance passes a threshold you choose.

Your household data is only visible to your household, with row-level security on every table.

SharedNest vs Settle Up

A clean group debt tracker, and nothing more.

Settle Up does one job well: track group expenses and show who should pay whom. For a holiday or a hiking weekend that is exactly right.

A household is not a holiday. SharedNest keeps the balance maths and adds the recurring, budgeted, private and goal-driven side of living together.

Rent and utilities have to be entered again every single month.

You cannot see spending trends or whether the household is over plan.

Everything in a group is visible to everyone in it.

Feature	Settle Up	SharedNest
Income-weighted splits	Manual weights per expense	Any ratio you choose, applied automatically to every shared expense
Private expenses	Not supported	Mark any expense private — it counts for you, stays invisible to the household
Recurring expenses	Not included	Automatic monthly bills with splits
Budgets and trends	Not included	Budgets, pulse, monthly snapshot, benchmarks
Email summaries	Not included	Weekly digest, monthly overview, settle reminders

Flatmates and couples whose 'temporary' group has become a home.

Add your fixed bills once and the recurring engine takes the month off your hands.

Can I still split unevenly per expense?: Yes — percentages, shares or custom amounts, on top of your default rule.
Will I get reminded to settle?: Yes, when the balance passes a threshold you choose.
Is my data private?: Your household data is only visible to your household, with row-level security on every table.

Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.