This month's expenses
Total shared expenses fronted
Total shared expenses fronted
Settling up
Your partner owes you €250
You · 50%
€900
already paid: €1,150
Your partner · 50%
€900
already paid: €650
WeZioo runs this math continuously, with every expense you add or import from your bank.
Download WeZiooHow to balance the couple's accounts
The principle is simple: add up all shared expenses for the month, compute each partner's target share according to your rule (50/50 or income-based), then compare with what each actually paid. Whoever paid less than their share reimburses the difference.
Example: you paid €1,150 (rent), your partner €650 (groceries, fuel). Total: €1,800. At 50/50, each share is €900, so your partner owes you €250. Proportional to incomes of €2,200 and €1,600, their share would be €758: they would owe you €108.
One reimbursement per month is plenty, no need to transfer money after every receipt. What matters is an undisputed number and a regular date, for instance at the start of each month.
Frequently asked questions
How do you calculate who owes what in a couple?+
Add up the shared expenses each partner paid, compute each target share (50/50 or income-based), and compare: whoever paid less than their share owes the difference. The calculator above does this instantly.
One of us pays the rent, the other everything else, how do we settle?+
The classic case, and rarely balanced, since rent often exceeds half of all shared costs. Simply enter the total each of you paid: the tool tells you who compensates and by how much. Many couples discover a long-standing imbalance this way.
Should we settle up every month?+
Once a month is a good rhythm: frequent enough to keep amounts small, spaced enough not to feel like bookkeeping. The WeZioo app keeps the balance updated continuously, settling becomes a single adjustment transfer.
What if we have a joint account?+
The joint account covers the expenses it pays, but purchases fronted from personal accounts still create gaps. The method stays the same: compare what each of you paid out of pocket to your target share.
Our other free tools
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A trip, a car, a home: calculate how much to set aside each month, each according to your means.
Open the toolRent when your partner owns the home
Moving in with a partner who owns their place? Calculate a fair contribution, without funding their equity.
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Never do this math by hand again
WeZioo tracks your shared expenses, applies your splitting rule and tells you every month who owes what. Bank sync, savings and joint projects included.
Download WeZiooFree · iOS & Android