Living together, splitting costs
You moved in together. Now how do you split everything?
From the first month's rent onwards, your expenses should be kept together. Futari is built for two from the start — not a personal finance app awkwardly repurposed.
"Who's put in more this month?"
Rent, utilities, groceries — shared living costs are scattered. Memory and group messages don't keep up. Futari logs each expense with who paid and how it's split, so month-end is never a surprise.
"Is 50/50 actually fair when our incomes are different?"
There's no one right answer. Futari supports 50/50, income-ratio splits, and one-person-covers-it modes. Choose the model that fits your situation — the maths takes care of itself.
"Moving in together made the finances harder, not easier."
When you were single, you only logged your own spending. Now your expenses overlap. Futari puts both of your records in one place, synced in real time.
How Futari helps
Flexible split modes
50/50, by income ratio, or one person covers it all — pick a mode and Futari handles the math automatically.
Real-time sync
One person records something and the other sees it instantly. The ledger is the conversation.
Open only to you two
Only your two accounts can open the ledger. Connections are encrypted over HTTPS, and sensitive details like a child's legal name or ID number are encrypted again before they're stored.
Chapter-based history
Moving in, getting married, new job, new home — each life chapter becomes a new ledger chapter. The past is always there to look back on.
Common questions
- What's the best app for splitting costs when living together?
- Futari is a shared ledger designed for two people from the ground up. It supports multiple split modes and real-time sync, and the ledger is open only to the two of you — without having to retrofit a personal finance app.
- How do we work out who owes what when cohabiting?
- Log each expense and mark how it's split. Futari accumulates the running balance automatically, so you always know where you stand without waiting until the end of the month.
- Do both of us have to pay?
- No. The shared ledger, the split modes and real-time sync are all free, and inviting your partner doesn't require anything extra to be switched on.