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For roommates & shared households

Settle up without the spreadsheet.

Log every shared cost as it lands, split it the way your house already splits it, and see who owes whom. A bill moves nobody’s balance until it is marked paid, so the number on screen is money that actually moved.

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Settle up · Maple Street

Sample

Suggested settle-up

A short list of payments that squares everyone up.

  • JessepaysJack$605.03
  • TaylorpaysJack$587.28
  • ConnorpaysJack$546.93
  • WillpaysJack$519.88

Jack fronted the rent, so this is what the rest of the house still owes back:$2,259.12is owed

Four payments put the whole house back at zero. The list is worked out from where all five housemates stand rather than from the bills one at a time, which is why it is this short.

Maple Street is not a real household. Every number here is invented, and nothing you change is saved.

How it works

There is no setup beyond naming the household and who lives in it.

  1. Add who lives here

    Type in everyone who lives in the house. There is nothing to send and nobody to wait for, so the ledger is usable the same evening you set it up.

  2. Log bills as they arrive

    Rent, power, internet, the grocery run. Repeating bills generate themselves each month; metered ones carry the reading.

  3. Mark them paid, then settle up

    Only paid bills move balances, and each one moves them by the split it carries. Save that split as a named split profile and a category will keep it: rent by room, utilities even, without re-arguing it every month. Then settling up is one pass over the whole house rather than one payment per debt.

Every shared cost, in one ledger

One table holds every shared cost in the house: the amount, the date, how it was split, who fronted it, and whether the money has actually moved. What it replaces is a spreadsheet kept alongside one vendor portal per bill, each behind its own login, none of them agreeing on what had actually been paid, and no way to answer who owes what without rebuilding the month by hand.

Bills · Maple Street

Sample

Nothing is waiting to be paid.

  • Cleaning supplies

    Supplies · Oct 22, 2026

    $52.10
    Paid Oct 22, 2026Equal
    Paid by
    Taylor

  • Grocery run

    Groceries · Oct 18, 2026

    $186.43
    Paid Oct 18, 2026Equal
    Paid by
    Connor

  • Water

    Oct 15, 2026

    $86.40
    Paid Oct 16, 2026Equalrepeats
    Paid by
    Will
    Usage
    5,100 gallons

  • Gas

    Oct 14, 2026

    $128.35
    Paid Oct 14, 2026Equalrepeats
    Paid by
    Jesse
    Usage
    84 therms

  • Internet

    Oct 12, 2026

    $94.00
    Paid Oct 12, 2026Equalrepeats
    Paid by
    Taylor · Visa ···4471

  • Electricity

    Oct 9, 2026

    $284.60
    VoidedEqualrepeats
    Paid by
    Will
    Usage
    1,642 kWh
    Voided by Will · entered twice

  • Electricity

    Oct 8, 2026

    $284.60
    Paid Oct 9, 2026Equalrepeats
    Paid by
    Will · House card ···0198
    Usage
    1,642 kWh

  • Rent

    Oct 1, 2026

    $3,150.00
    Paid Oct 1, 2026Percentagerepeats
    Paid by
    Jack · Bank ···6620

7 bills · $3,981.88 total · 5 repeating · 3 metered · 1 voided bill is kept here for the record.

Every control in this table works, and nothing it changes is saved: a reload puts Maple Street back where it started. Press one and the rest of the page moves with it, because it is the same month counted a different way. Nothing here is waiting on anybody, so start with Back to outstanding on any paid row: Mark as paid appears on it, and you can watch the balances leave zero and come back. Voiding is the other reversible one, and it leaves the row where it is, struck through, carrying the reason and who wrote it and counted in no total. Right now: seven live bills adding up to $3,981.88, all of them paid, and one voided bill counted in none of it.

  • Repeating bills

    Set rent or internet up once and it generates every month. Generating the same month twice is impossible.

  • Metered bills

    Power and water carry the reading, 1,642 kWh and 5,100 gallons, not just the amount.

  • How it was paid

    A bill can name the card or account it went on. Household Hub stores a label and the last four digits, and has no column that could hold a real number.

Have a look around

Five more surfaces from the same household, and the controls on them work. Open any card full size to use it properly.

Use the left and right arrow keys to move between cards. The controls on them work, and nothing you change here is saved.

  • Category drill-down

    The question a cheaper power bill always raises: did the house use less, or did the rate move?

    Insights · Spend by category

    Sample

    October so far. Pick a category to open it.

    Electricity

    Utility · metered in kWh · repeats monthly

    October
    $284.60 · 1,642 kWh · $0.1733/kWh
    September
    $341.85 · 1,968 kWh · $0.1737/kWh

    $57.25 less than last month, and 326 fewer kWh. The rate barely moved, so the difference is what the house used, not a cheaper month.

    Each person’s share · $56.92 each · 5 people

    Any category opens into what it cost, month by month. Where a meter is attached, it also carries how much was used and what that came to per unit. Four decimals below a dollar, because two would print the same rate every month and round away the one thing worth seeing.

  • Share link

    For whoever needs the figures without being added to the household.

    Share link

    Sample

    Maple Street

    1. Jack

      householdhub.matadortechnology.com/s/sample-share-link

      October 2026

      Maple Street

      $3,981.88 across 7 bills

      • Jack$2,259.12is owed
      • Will$519.88owes
      • Connor$546.93owes
      • Taylor$587.28owes
      • Jesse$605.03owes

      Rent, Electricity and 5 more paid · $3,981.88 in all

      householdhub.matadortechnology.comRead-only

    2. Jack

      October settle-ups

    3. Will

      Bet

    4. Connor

      Nice! Our electricity went down a bunch

    This link expires in 14 days and has been opened 6 times.

    Connor has no account and did not need one. The link opens a read-only page: names, amounts, category totals, nothing else. You set its expiry and can revoke it. It is live, not a screenshot, so tonight's settle-up is there the next time anybody opens it.

  • Month by month

    Twelve months of paid bills, so the month that was not like the others is obvious before anybody has to go looking.

    Insights · Month by month

    Sample

    Switch a group off and the columns, the axis and the totals are worked out again without it.

    • November 2025: $3,648.20 in paid bills
    • December 2025: $3,591.05 in paid bills
    • January 2026: $3,767.35 in paid bills
    • February 2026: $5,006.60 in paid bills
    • March 2026: $3,625.30 in paid bills
    • April 2026: $3,683.15 in paid bills
    • May 2026: $3,771.40 in paid bills
    • June 2026: $4,089.20 in paid bills
    • July 2026: $4,018.30 in paid bills
    • August 2026: $4,130.45 in paid bills
    • September 2026: $4,156.30 in paid bills
    • October 2026: $3,981.88 in paid bills

    October · $3,981.88 in paid bills · down $174.42 on Sep 2026.

    A year in the three groups Insights counts in. Rent holds flat at $3,150.00 every month. The utilities do all the moving, from $402.75 in January up to $868.30 in July. The tall column is February: $1,428.00 for a new washer and dryer, on top of an ordinary month.

  • Split profiles

    The one argument a shared house has every month, settled once and then applied to every bill in the category.

    Split · Rent

    Sample

    Split method

    Saved as “Rent by room”, and applied to every Rent bill. Utilities use “Even split”.

    Two larger rooms at 23%, three smaller at 18%.

    • Jack23%$724.50
    • Will23%$724.50
    • Taylor18%$567.00
    • Jesse18%$567.00
    • Connor18%$567.00

    100% · $3,150.00 · adds up to the bill

    Four methods: equal, by percentage, by shares, or by exact amounts. Three of them are live on this card, and the figures they produce are worked out by the same function that divides real money in the app. A profile saves the choice under a name and a category keeps its own, so the big bedroom pays more for rent without anyone re-arguing utilities.

  • People

    Everyone is on the ledger from the first bill. A login is optional, and a housemate can pick one up whenever they want.

    People · Maple Street

    Sample

    What each name has been charged in October.

    • JackAdmin$890.88Signed in
    • WillMember$890.88Signed in
    • TaylorMember$733.38Signed in
    • JesseMember$733.38Signed in
    • ConnorMember$733.36No account yet

    One person has no account yet. They still appear in splits and can be charged expenses, and a claim link connects a sign-in to the history already recorded against their name.

    Connor has not signed in. That is not a hole in the ledger: all five names carry a figure and a balance, whether anybody is logged into them or not. The house did not have to be fully signed up before it could start counting.

Card 1 of 5, Category drill-down

Ready when you are

Free to use, with no ads and nothing to upgrade to. It is built for the web and it works wherever you need it: at your desk, or standing in the kitchen holding the bill.

Create your household

Name the house, add the people, log the first bill. That is the setup.

P.S. Household Hub is coming soon to the app store.