Record the expense
From Add Transaction, choose Expense and select Split this expense. Enter the total bill and details.
Split the bill. Keep every share clear.
Record a shared expense, choose who paid and who participated, then divide the bill equally or by exact amounts. Review what each person owes and log repayments when they happen — without connecting a bank account.
TRY AN EXAMPLE
Illustrative · USDWeekend dinner split
Total paid by you$120.00
- YYou · paid the bill$40.00
- AAlex $40.00
- SSam $40.00
Interactive explanation only; no money or account data is saved. Shares always total $120.
From recording a bill to settling up
Stay clear about who paid, what everyone agreed to, and what has been repaid.
Choose payer and shares
Add the participants, choose who paid, then select Equally or Exact amounts before saving.
Review who owes whom
Review the split obligations and relevant people-ledger entries. Obligations between other people stay with the split.
Record a repayment
When money changes hands outside Nivora, record the repayment on the split and keep the remaining amount up to date.
FLEXIBLE SHARESarrow_forward
Equal when it's simple. Exact when it isn't.
Not every purchase is divided the same way. Nivora supports the two choices shown in the real Split dialog, with a review of each person's share before you save.
Learn about lend & borrow ledgersEqual or custom bill splits
Equal: divide a $120 bill among three people and each share is $40. Nivora handles equal-share rounding for totals that do not divide perfectly.
Exact amounts
Exact: set You $50, Alex $45 and Sam $25. The shares add up to $120, reflecting what everyone agreed to pay.
Keep the bill and its context together
Know which shared activity a cost belongs to and keep supporting details easy to find.
Separate books
Use a dedicated book for a household, trip or activity so its transactions stay separate from unrelated spending.
Receipts and notes
Include the bill's description and optional attachments as part of the shared transaction record.
Repayment history
See recorded settlement amounts against the outstanding obligations and reverse a repayment if needed.
People statements
Review and share a person's ledger statement for the balances that involve you. Other people's split-only obligations remain with the split.
Who are you sharing with?
Choose a practical guide for the people and costs you want to track.
Share household costs with a partner
Keep rent, groceries and partner balances clear while personal spending remains separate.
Explore couplesMake shared household bills easier
Record rent, utilities and groceries with the correct share for each flatmate.
Explore roommatesKeep everyone on the same page
Track costs paid by different people during a trip or event and review outstanding shares.
Explore groupsYour agreement stays yours
You choose who participated and who paid. Nivora can calculate equal shares or accept exact amounts for each person; it never decides the agreement for you and it does not transfer money between people. Repayments can be recorded in the split ledger.
Questions about splitting expenses
How do I split a shared expense?
Start with an expense, select Split this expense, choose the payer and participants, then divide the bill Equally or by Exact amounts.
Where do the balances appear?
The saved split shows who owes whom. Your linked lend/borrow amounts can appear in your People balance; obligations solely between other people stay on the split.
Does Nivora collect repayments?
No. Money moves outside Nivora. Record a repayment against the relevant split obligation to update what remains owed.
Can I track costs for different groups?
Yes. Keep books for household, travel or other purposes, and review each shared expense separately.
Need more help? Read How It Works or visit the FAQ.
Ready to split a bill without losing track?
Record the expense, divide the shares and review repayments in Nivora.