Use cases — Couples
Living together makes money a joint project long before anyone opens a joint account. SharedNest is where that project lives.
In short
SharedNest gives a couple one shared ledger, splits every shared expense fairly — evenly, by income, or by custom shares — and keeps a live balance of who owes whom. Private purchases stay private, and each partner can switch to a You view to see only their own share.
Rarely the total. Usually the sense that contributions are uneven, that one person is doing all the administration, or that a purchase was made without discussion. All three are visibility problems before they are money problems.
Once every shared cost has a share attached and both people can see it, most of the argument disappears — not because anyone won, but because there is nothing left to reconstruct from memory.
If your incomes are similar, even splits are simple and fine. If they differ by more than about 20%, proportional splitting keeps the burden equal. Many couples split fixed costs by income and discretionary spending evenly.
No. SharedNest works with two separate accounts, one joint account, or a hybrid where a joint account covers fixed bills and personal accounts cover everything else. It records who paid, whatever the plumbing.
Low friction and a reason to come back. Receipt scanning and mobile quick-add keep entry cheap; the Monday digest and the Monthly Snapshot give both people something worth reading.
Incomes of €2,800 and €2,000 net, shared costs of €1,900 a month.
The same €1,900 either feels balanced or lopsided depending only on the rule you pick. Deciding it once, together, is the whole point.
How the three options behave over a year of living together.
| Spreadsheet | Bill-splitting app | SharedNest | |
|---|---|---|---|
| Fair splits by income | Manual | Uncommon | Built in |
| Private purchases | Visible to both | Visible to both | Kept private |
| Recurring bills | Re-entered | Partial | Projected forward |
| Personal view | Separate sheet | None | You / Household toggle |
| Weekly summary | None | None | Monday email digest |
For couples, usually yes: Splitwise is built around an even-split running tab, while SharedNest adds income-weighted splitting, private expenses, recurring bills, budgets and a personal view. For a one-off group trip, a splitting app is lighter.
Yes. Mark an expense private and it never appears in the shared ledger or balance, which is what makes birthdays possible.
Update the incomes and the ratio adjusts. During parental leave or a job change, proportional splitting is usually the setting that keeps things fair without a conversation every month.
Yes, each person signs in with their own account and joins the household by invitation, which is what keeps private expenses genuinely private.
About fifteen minutes: create the household, invite your partner, add recurring bills and set the split rule. Everything after that is a few taps a day.
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.
