Best Apps to Split Bills with Roommates (2025)

Splitting bills should be effortless. In 2025, the best apps do three things really well: connect securely to your bank, support flexible split methods, and help you collect on time without awkward follow-ups. Here's a practical roundup to help you choose.

What to look for

• Secure connections: Uses trusted partners (like Plaid) so logins never touch the app.
• Flexible splits: Equal shares, fixed amounts, or percentages—mix and match when needed.
• Polite automation: Reminders that are spaced, humane, and easy to pause.
• Reliable payments: Powered by modern rails (like Stripe) with clear receipts.
• Transparency: Everyone can see what they owe and how it was calculated.

Popular options

Splitwise

The classic tracker for shared expenses. Great for logging, OK for settling up. Payments depend on region and might require extra steps.

Best for: Long-running house shares that prioritize tracking over instant pay.

Venmo / Cash App

Fantastic for quick person-to-person pay, but splitting logic, tracking, and reminders are limited. Works best if you already know who owes what.

Best for: One-off reimbursements with friends who already use the app.

Settle Up

A focused expense splitter with groups and history. Payment flows vary by country; solid for travel groups and shared events.

Best for: Trips and temporary groups that need a running balance.

Splitify

Built for speed, clarity, and fewer awkward conversations. Create a cost, pick a split, set a due date, and send. Reminders are respectful and payments are handled securely.

Best for: Roommates, recurring bills, and any situation where you want a clear request and a simple path to pay.

How Splitify compares

• Bank sync: Secure connections and optional imports where supported.
• Flexible math: Equal, fixed, or percentage splits—including mixed methods.
• Automated reminders: Friendly by default, easy to pause or skip.
• Fast checkout: Modern payment rails with clear receipts for everyone.

Quick checklist

• Does it clearly show who owes what?
• Can you split in different ways without a spreadsheet?
• Are reminders respectful and low-friction?
• Is there a straightforward, secure way to pay?

If that list matters to you, Splitify is a great fit. Create your first request in minutes.