Kotisso
Splits shared expenses between flatmates, couples or co-parents and tracks who owes whom.
Kotisso logs who paid what across a group — a flatshare, a trip, co-parenting across two homes — and keeps a live, always-zero balance for everyone, then suggests the fewest transfers needed to settle up. It never touches actual money: no bank account is connected, you pay each other back however you already do and just record it. The leftover cent from an uneven split always goes to the same person instead of quietly disappearing.
What holds up
- +Explicitly never touches money — no bank account connected, you settle up however you already do.
- +Assigns the rounding-error cent to the same person every time instead of letting it disappear.
- +No limit on group size, and expense tracking, splitting and the settlement plan are free with no ads.
Mind the limits
- −Free tier caps you at 2 active groups and 12 months of history — more requires the paid plan.
- −Every member needs their own account — no single-person tracking on someone else's behalf.