← Back to Guides
How to Split Expenses Without an App
Prefer pen and paper? Here is the old-school method for tracking shared costs and settling up.
The Spreadsheet Method
Google Sheets or Excel is the gold standard if you don't want a dedicated app. Create columns for "Who Paid", "For What", and "Amount".
The Envelope System
Put cash in an envelope for shared household expenses like groceries. When it's gone, it's gone.
This works best for roommates with shared, consistent expenses.
Conclusion
The best method is the one everyone agrees on. Communication is key.