Blog
Notes on shared money, product and privacy
Product updates, the thinking behind our design decisions, and practical takes on splitting expenses fairly.
Product · 6 minInteger money: the engineering behind splits that add up
How DueCircle stores money as whole minor units, not decimals, and why that is the foundation of expense splitting accuracy.
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Product · 6 minIs Splitwise free? What you get, and a truly free option
Is Splitwise free? Yes, with a paid tier alongside it. Here is what the free version covers, what has moved behind a paywall, and a genuinely free option.
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How to split expenses without downloading an app
You can split expenses without downloading an app. DueCircle runs in your browser on any phone or laptop, so there is nothing to install and nothing taking up space.
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Product · 6 minHow to choose an expense-splitting app for roommates
Picking an expense splitting app for roommates? Here is a plain checklist of what actually matters: free, flexible splits, privacy, no bank link, works on a phone.
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Money · 6 minHow to split a cab or Uber fare with friends
Learn how to split an Uber fare with friends fairly: equally or by drop-off using exact amounts, and log it in seconds so it nets out instead of one person always paying.
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Money · 6 minHow to split a bill unequally when even isn't fair
Learn how to split a bill unequally: use exact amounts, percentages, or shares, and exclude people who weren't involved, with a worked example that makes it fair.
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Money · 6 minHow to split bills when you earn different amounts
Need to split bills by income when housemates or friends earn different amounts? Here is proportional splitting, made simple, with a worked rupee example.
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Money · 6 minHow to split expenses in a big group without the chaos
Learning to split expenses in a large group of 8 to 15 people? Here is how per-expense participants and one shared balance kill the group-chat chaos.
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Money · 6 minHow to talk to friends about money without it getting weird
Want to know how to talk about money with friends without it getting weird? Warm, practical scripts for trips, dinners, and paying each other back.
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Household · 7 minHow to split a deposit and final bills when moving out
Need to split a security deposit when moving out of a flatshare? Here is how to divide the returned deposit and final bills fairly, with a worked example.
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Travel · 6 minHow to split expenses on a family vacation
Trying to split family vacation costs across households, grandparents and kids? Here is how to divide by household or shares and settle up at the end.
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Money · 6 minHow to split a bill three ways (and the leftover paisa)
How to split a bill 3 ways when it won't divide evenly: what to do with the leftover paisa, and how DueCircle names who carries it so the total always adds up.
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Product · 6 minA free Splitwise alternative with no paywall, ever
Looking for a free Splitwise alternative? DueCircle splits expenses, tracks balances and settles up in any currency — free forever, private, with nothing locked behind a subscription.
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Money · 6 minHow to ask a friend to pay you back without it being awkward
Asking a friend for money back feels awkward, but it doesn't have to. A calm, practical script — and how a shared balance does most of the asking for you.
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Household · 6 minHow to split utility bills between roommates fairly
Electricity, water, wifi and gas — a fair, drama-free system for splitting utility bills between roommates, including what to do when usage isn't equal.
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Travel · 6 minHow to split expenses on a road trip
Petrol, snacks, motels and the friend who never has cash — a practical way to split road trip expenses so you settle up in minutes, not arguments.
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Features · 6 minHow to track money between two people
Learn how to track money between two people with one running balance. No group needed, no mental maths, just a single number showing who is ahead.
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Money · 6 minIOU tracker: how to keep track of who owes you
An IOU tracker replaces the mental notes and notes-app scribbles for who owes you. Keep a real running record for one person or a whole group.
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Household · 6 minHow to split groceries in a shared house
Learn how to split groceries with roommates fairly: who shops, equal vs itemised splits, the 'I don't eat that' problem, and settling the net without arguments.
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Household · 6 minMoving in together: how to handle shared money
A calm guide to moving in together finances: the money talk before the boxes, what's shared vs personal, splitting fairly on uneven incomes, and setting it up once.
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Money · 6 minHow to collect money from a group for an event
You fronted the venue deposit, so now you must collect money from a group without becoming the person who nags. Here is a calmer, clearer way to get repaid.
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Money · 6 minWhat to do when one person paid for everything
When one person paid and the group must reimburse them, things get vague fast. Here is how to split the cost back fairly so whoever fronted it is made whole.
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Money · 6 minHow to split the cost of a group gift
Everyone agrees to chip in, then the money gets murky. Here is how to split the cost of a group gift fairly and collect from friends who are not in the room.
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Money · 6 minThe friend who always forgets to pay you back
We all have the friend who never pays back — not out of malice, just forgetfulness. Here is a warm, systems-not-shaming way to make the money hard to forget.
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Guides · 6 minHow to split expenses with an app: your first group
A calm, five-minute walkthrough of creating your first DueCircle group, inviting people, adding an expense and settling up.
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Travel · 6 minHow to split an Airbnb between friends
Here is how to split Airbnb cost between friends when rooms are unequal, people arrive on different nights, and one card books it all — fair, clear and free.
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Travel · 6 minHow to split a bachelorette or bachelor party
How to split bachelorette party cost when the guest of honour goes free, one person fronts the deposits, and nobody should get a shock bill at the end.
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Features · 7 minHow to split expenses: choosing the right split method
Equal, exact, percentage, shares or excluding people who weren't there. A plain guide to how to split expenses fairly, with worked examples.
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Features · 6 minHow to keep personal and shared expenses separate
How to separate personal and shared expenses so your solo spending and group costs never blur. A private Personal space plus clean group balances.
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Money · 6 minWhat does settling up mean, and how do you do it?
What does settle up mean? A plain-language guide to clearing shared debts, the difference from a running balance, and how a few payments square everyone.
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Money · 6 minHow to split a restaurant bill with tip and tax
How to split a restaurant bill with tip and tax — even split or itemized, sharing extras by what people ordered, and where the leftover paisa actually goes.
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Household · 6 minHow to split a shared subscription with friends
How to split a subscription with friends fairly when Netflix, Spotify or a family plan sits on one person's card — plus how to log the recurring cost each month.
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Features · 6 minA bill reminder app for shared rent and utilities
Why shared bills get forgotten, and how a bill reminder app tracks rent, utilities and subscriptions with 7, 3 and 1-day reminders.
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Money · 6 minHow to split wedding costs among family and friends
How to split wedding costs among family and friends: who traditionally pays, tracking pledged versus actually paid, and keeping a clear, un-awkward record.
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Household · 7 minHow to split costs for elderly parents among siblings
A warm guide to splitting parents' care costs among siblings: sharing fairly by income, supporting the sibling who fronts everything, and keeping a clear record.
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Travel · 7 minA multi-currency expense tracker for group trips
Record each cost in the currency it was paid in, capture the rate at the time, and settle a group trip cleanly in one currency at the end.
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Features · 6 minA shared budget app that tells you where the money went
Why raw charts leave you doing the maths, and how a plain-language shared budget app compares this month with last, per category.
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Privacy · 6 minThe expense tracker without a bank connection
Why DueCircle will never sync your bank account, and how a private expense tracker without a bank connection still gets every split right.
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Privacy · 6 minShared expense privacy: roles and permissions explained
How owner, admin, member and view-only roles control who can see and change what in a shared expense group, and how to set them without friction.
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Household · 7 minHow to split expenses with your partner without a joint account
Keep your finances separate, share the costs fairly, and settle up each month. A calm guide to splitting expenses as a couple.
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Money · 6 minSettle up: clear group debts in the fewest payments
How a settle up calculator turns a tangle of who-owes-whom into two or three clean payments, always traceable back to the original expenses.
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Money · 6 minHow to split the bill with friends without the awkwardness
A calm guide to bill-splitting etiquette: even splits versus paying for what you had, tipping, who pays on the night, and settling up without keeping score.
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Household · 6 minRoommate expense tracker: split bills without the argument
How to split household bills with roommates using recurring bills, uneven splits and a live balance, so the monthly argument never starts.
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Guides · 6 minWhen to stop using a shared expense spreadsheet
A spreadsheet is fine for small, one-off shared costs. Here is where it quietly breaks down, and the signs you have outgrown it.
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Household · 6 minA family budget app everyone can actually see
Family money is less about splitting and more about seeing. One shared place for rent, groceries and school fees, with roles that keep a parent in control.
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Travel · 7 minHow to set a group trip budget before anyone books
Agree a group trip budget and a per-person daily figure before anyone books, break it into categories, and track spend so no overrun surprises you.
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