Your share, everywhere
Monthly spend, categories and upcoming charges all count what is yours. What you fronted for the others is shown on its own line, never folded in.
Split & Threads · Watch
Split it with the people
who share it.
The family plan you split three ways, the flat's internet, the streaming service a friend covers. Split the record, nudge whoever's share is due, see who has paid, and keep the back-and-forth on the record itself. Renew Reminder keeps track; it never moves the money.
FreeOn every plan.
- Every total is your share
- Nudge, settle, attach a receipt
- Never moves money
Shared costs go wrong
in the follow-up, not the split.
Everyone agrees to split the family plan. Then a few months later nobody remembers who paid in March, the reminder text feels awkward, and the total on your own budget includes money that isn't yours. Split & threads keeps the shares, the nudges and the receipts on the record they belong to.
01
Split it once, and every total is yours.
Split a subscription or a bill with the people who share it and each share is worked out for you — whoever pays absorbs the rounding, so Spotify at $11.99 three ways is $4.01 for you and $3.99 each for Sam and Jordan. The record still shows the real charge; the pill under it shows your share, and that is what every total counts.
- Split any record between named people
- The payer absorbs the rounding, to the cent
- Monthly spend and upcoming charges use your share
- What you fronted for others is its own line
02
See who is in, and where they stand.
The People card lists everyone on the split with one quiet word or one thing to tap. Invited until they join, then Sharing; once the thread is going, Nudge when their share is due, Nudged today after you have, and Settled when they have paid this cycle. Someone with no email or number gets “Add email or number” instead.
- Invite by email, or text it from your phone
- Invited, Sharing, Nudge, Nudged today, Settled
- Undo an invitation before it is accepted
- Members see “Shared with you” and can leave
03
Nudge, without the awkward text.
When someone's share is due, tap Nudge beside their name and pick the line — their share is due, or did they pay yet — with the amount filled in. Add a short note if you like. They get it as a notification; you get “Nudged today” so you don't send it twice.
- Fixed, friendly messages with the amount filled in
- An optional note, up to 200 characters
- One nudge per person per day
- Not on the app yet? It goes through your share sheet
04
“I've paid my share”, from their side.
The people you share with get their own copy of the record, showing their share and who pays. When Sam has sent the money, Sam taps “I've paid my share”, adds a photo of the transfer if they want to, and marks it paid. Alex sees it in the thread, and Sam's copy reads Settled for this cycle.
- “Alex pays · your share” on their copy
- Add proof (optional): choose or take a photo
- For this billing cycle — it starts fresh next time
05
Settled, with the receipt on the record.
On your side, a notification says Sam paid their share and attached a receipt. The receipt lands in Activity, and Sam's row on the People card reads Settled. Settled is what people report, not something the app checks with a bank — and you can mark someone paid yourself when they settle up in person.
- A notification to whoever pays the bill
- The receipt photo in the thread
- Settled per person, per cycle
06
Keep one short thread on the record.
Every split record keeps its own history: who joined, who was nudged, who paid, and short notes like “I'll send mine Friday”. Press a line to react with Got it or Thanks, reply with a note, or — if you have to — report it or block the person.
- Joins, nudges, payments and notes, newest first
- Got it, Thanks, or Reply with a note
- Report and Block on every line
Renew Reminder keeps track. It never moves the money.
There is no payment inside the app — no wallet, no transfer, no fee. Shares are settled however you already settle up, and the record shows what people say they have paid.
The small print, in plain words
A ledger, not a chat
Notes are up to 200 characters, twenty a day, and live on the record they are about. There are no group chats and nothing to keep up with.
Report and Block on every line
Anything in a thread can be reported — it is hidden for everyone after enough reports, and staff review it. Block someone and they can no longer nudge you or leave you notes.
Receipts without the location
A proof photo is one image, re-encoded before anyone sees it so it carries no location or camera data from your phone.
Which card pays for the shared plan? Cards, banks and workspaces →
Got Questions
FAQ
“It has been really useful for keeping track of my renewals without having to remember everything myself. I also found the option to split recurring payments with friends and family, which I wasn’t expecting but actually really liked”
Watch
Split the one you already share
Open the family plan, split it with the people on it, and send the invite. From then on the shares, the nudges and the receipts live on the record — and your totals show only what is yours.
Get started free
Free forever · No card needed · iOS, iPad and Android