SharedNest vs Splitwise
Great for trips and roommates, thin for the household you actually live in.
Splitwise is the default way to track who owes who after a trip or a shared flat. It is fast, it is familiar and it stops at the balance — the number at the top of the screen is the whole product.
SharedNest starts where Splitwise ends. The same shared expenses become a household ledger with budgets, recurring bills, savings goals and insights, so you are not just settling the past month — you are planning the next one.
There is no category budget, no monthly plan and no view of whether the household actually lived within its means. You learn who owes what, never whether the month went well.
Uneven incomes mean editing percentages expense by expense, and every new bill is another chance to forget. Splits should follow a rule you set once.
Anything you log is visible to the group. Gifts and personal spending either get hidden outside the app or spoil a surprise.
| Feature | Splitwise | SharedNest |
|---|---|---|
| Income-weighted splits | Manual percentages or shares per expense | Any ratio you choose, applied automatically to every shared expense |
| Private expenses | Everything in a group is visible | Mark any expense private — it counts for you, stays invisible to the household |
| Household budgeting | Not included | Category budgets, monthly snapshot and pulse view |
| Savings goals | Not included | Shared goals with contributions and milestone emails |
| Solo use | Needs a group to be useful | Solo mode with a You / Household switch |
Couples, co-parents and families who started on Splitwise and now want budgets, goals and privacy in the same place.
Keep logging shared expenses exactly as you do now. The difference is that your split rule applies itself and every expense also feeds budgets, goals and insights.
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.
