Best Roommate Expense Tracker Apps for Shared Apartments (2026)

Living with roommates is a great way to save money on rent, but it comes with one major challenge: keeping track of who owes what. Between rent, utilities, groceries, WiFi, and that Netflix subscription everyone uses, expenses can get messy fast. You might have used the best app to find roommates, but managing shared finances once you're living together is a whole different story.

The good news? There's an app to split bills with roommates for every situation. In this guide, we'll review the best roommate expense tracker apps in 2026 and help you find the perfect one for your shared apartment.

What to Look for in a Roommate Expense App

Before diving into the apps, here's what makes a great roommate expense tracker:

• Easy expense logging — Adding expenses should take seconds, not minutes
• Recurring expense support — Rent and utilities repeat monthly; your app should handle this automatically
• Multiple splitting options — Not everything is split equally
• Clear balance tracking — See who owes whom at a glance
• Offline access — For when WiFi is down (ironic, right?)
• Free or affordable — You're splitting costs to save money, after all

Top Roommate Expense Tracker Apps in 2026

1. Zedger — Best for Recurring Expenses & Indian Roommates

Zedger App stands out for roommates because it was built with recurring monthly expenses in mind — exactly what apartment living involves.

Why Zedger Works for Roommates

Monthly Recurring Book Feature

This is where Zedger shines. Create a "Monthly Recurring Book" for your apartment and set up:

• Monthly rent contributions
• Electricity bills
• Water charges
• WiFi/Internet
• Gas connection
• Maid/Cook salary
• Society maintenance

These expenses automatically appear each month. No need to re-enter them — just update the amount if it changes.

Smart Splitting Options

Not all roommates pay equally. Maybe one has the master bedroom, or someone works from home and uses more electricity. Zedger App lets you split expenses:

• Equally — Everyone pays the same
• By percentage — 40/30/30 split based on room size
• By shares — 2:1:1 if someone pays double
• Exact amounts — Custom amounts for each person

Offline Mode (Coming Soon)

Offline support is on the way. Soon you'll be able to add expenses even when the WiFi is down, and Zedger will sync everything once you're back online.

No Daily Limits

Unlike some apps, Zedger doesn't restrict how many expenses you can add. Log everything — from rent to that pack of toilet paper.

Zedger Pricing

• Free: 4 books, 10 members per book, 6 months history
• Pro ($1/month): 20 books, 100 members, unlimited history
• VIP ($1.99/month): Unlimited everything

Download Zedger — Available on Android and iOS

2. Splitwise — Most Popular Choice

Splitwise is the most well-known bill splitting app for roommates globally. Most of your roommates probably already have it installed.

Pros

• Large user base — easy to get roommates on board
• Clean, simple interface
• "Simplify debts" feature reduces payment complexity
• Available on all platforms including web

Cons

• 5 expenses per day limit on free tier
• No recurring expenses without Pro subscription (₹999/year)
• Requires internet connection
• Can feel bloated for simple apartment sharing

Best For

Roommates who already use Splitwise and don't mind the daily limit, or those willing to pay for Pro.

3. Tricount — Simple & No Account Needed

Tricount is popular in Europe and has gained users worldwide for its simplicity.

Pros

• No account required to start
• Very straightforward interface
• Works offline
• Good for temporary living situations

Cons

• No recurring expense feature
• Basic splitting options only
• Not ideal for long-term apartment sharing
• Limited reporting features

Best For

Short-term roommate situations or subletting arrangements where simplicity matters most.

4. Venmo — Payment-First Approach

Venmo (popular in the US) combines expense tracking with actual payments.

Pros

• Send and request money directly
• Social feed shows transaction history
• Split bills feature built-in
• Widely used in the US

Cons

• US-focused (limited international support)
• More of a payment app than expense tracker
• No recurring expense management
• Privacy concerns with social feed

Best For

US-based roommates who want payment and tracking in one app.

5. Settle Up — Offline-First Alternative

Settle Up is another option that works well without constant internet.

Pros

• Works completely offline
• Syncs across devices when online
• No account required for basic use
• Clean interface

Cons

• Smaller user base
• No recurring expenses
• Limited advanced features
• Less active development

Best For

Roommates in areas with unreliable internet who need offline functionality.

How to Track Monthly Apartment Expenses Effectively

Regardless of which app you choose, here's a system that works:

1. Set Up Your Shared Expenses Book

Create a dedicated space for all apartment expenses. In Zedger, this would be a "Monthly Recurring Book" specifically for your apartment.

2. List All Recurring Expenses

Common shared apartment expenses include:

Expense	Typical Frequency
Rent	Monthly
Electricity	Monthly
Water	Monthly/Quarterly
WiFi/Internet	Monthly
Gas	Monthly
Maid/Cleaning	Monthly
Society Maintenance	Monthly/Quarterly
Netflix/OTT	Monthly
Grocery runs	Weekly

3. Decide on Splitting Rules

Have a conversation early about how to split:

• Rent: By room size? Equal? Based on income?
• Utilities: Equal? By usage? By number of occupants?
• Groceries: Shared pool or individual purchases?
• Subscriptions: Equal split for shared ones

4. Log Expenses Immediately

The biggest mistake roommates make is saying "I'll add it later." You won't. Log expenses as soon as you make them.

5. Settle Monthly

Pick a date (1st or last day of month works well) to settle all balances. This prevents large amounts from accumulating and reduces awkwardness.

Common Roommate Expense Scenarios

Scenario 1: Unequal Room Sizes

Problem: One roommate has a larger room with attached bathroom.

Solution: Use percentage-based splitting in Zedger App. For example:

• Large room: 40%
• Medium room: 35%
• Small room: 25%

Scenario 2: Someone Moves Out Mid-Month

Problem: A roommate leaves on the 15th. How do you split that month's rent?

Solution: Use exact amount splitting. Calculate their pro-rated share and enter specific amounts for each person.

Scenario 3: Shared Groceries vs Personal Items

Problem: Some groceries are shared (cooking oil, rice) while others are personal (specific snacks).

Solution: Only log shared purchases in the apartment book. Personal items stay personal.

Scenario 4: Guest Stays Extended Period

Problem: Someone's partner stays over frequently, increasing utility usage.

Solution: Discuss and adjust utility splits accordingly, or have the roommate cover the difference.

Why Recurring Expense Tracking Matters

Here's something most expense apps get wrong: apartment expenses are predictable and recurring.

You pay rent every month. Electricity comes monthly. WiFi is monthly. Yet most apps treat every expense as a one-time entry.

Zedger's Monthly Recurring Book was designed for exactly this pattern:

1. Set it once: Add rent, WiFi, and other fixed expenses once
2. Auto-appears monthly: These expenses show up automatically each month
3. Update only when needed: Just change the amount when bills vary (like electricity)
4. Never forget: No more "did anyone add the rent this month?"

This saves time and ensures nothing falls through the cracks.

The Verdict: Which App Should You Choose?

If you need...	Choose
Best recurring expense handling	Zedger
Most popular/friends already use it	Splitwise
Simplest possible solution	Tricount
Payment + tracking combined (US)	Venmo
Offline-first approach	Settle Up or Zedger
Free with no daily limits	Zedger

Our Recommendation

If you're looking for the best app to split bills with roommates in a long-term shared apartment, Zedger App offers the best combination of:

• ✅ Recurring expense automation
• ✅ Flexible splitting options
• ✅ Offline functionality
• ✅ No daily expense limits
• ✅ Affordable pricing

The Monthly Recurring Book feature alone makes apartment expense tracking significantly easier than manually entering rent every single month.

Ready to simplify your roommate expenses?

Download Zedger App — Free on Android and iOS.

Have questions about tracking roommate expenses? Drop us a message at contact@tryzedger.com.