Self-hosted shared expenses

Everyone paid something.Balancia works out the rest.

Dinner, rent, the trip nobody kept a spreadsheet for. Add what you spent and Balancia tells each person exactly where they stand — in the currency they paid in, on a server you control.

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  • Guests need no account

Weekend in Lisbon

4 people · EUR

Live
change anything below
€

Paid by

Split

€84.60 ÷ 4 is €21.15 each, exactly.

Where everyone stands

€596.00 spent

SM

Sam

paid €84.60

€64.40

owes

MI

Mina

paid €420.00

€271.00

gets back

TH

Théo

paid €28.00

€121.00

owes

AD

Ada

paid €63.40

€85.60

owes

Settled in 3 repayments

  • Théo pays Mina €121.00
  • Ada pays Mina €85.60
  • Sam pays Mina €64.40

What it does

The things that usually go wrong. None of them here.

  1. 01

    Splits that always add up

    Equal, exact, percentage or share-based. Amounts are whole minor units, so allocations sum to the total exactly — every time.

  2. 02

    Several payers, no workarounds

    When two people cover one bill, record it once. Balances follow who actually paid what.

  3. 03

    Multi-currency, two ways

    Keep each currency balanced separately, or convert everything into one base currency at a rate frozen when you record it.

  4. 04

    Passkeys and guest links

    Sign in with a passkey or a password. Invite people who do not want an account through a revocable link.

  5. 05

    Receipts kept private

    Attach photos or PDFs. They live in your own storage, behind authorization — never in a public folder.

  6. 06

    Recurring expenses

    Rent, subscriptions, the shared internet bill. Generated on schedule in your group's own timezone.

  7. 07

    Revenue and repayments, not only spending

    Add income — a deposit returned, a refund, a shared payout — and split it the same four ways, on a schedule if it repeats. Repayments are kept apart from spending, and the ones that clear the group are worked out for you.

Who it's for

If money keeps moving between the same few people, this is for you.

Six situations people tend to arrive with. Each one leans on a different part of Balancia.

Organising a trip with friends

Flights booked months ago, a villa deposit one person fronted, dinners paid by whoever's card was closest, half of it in another currency. Add each cost as it happens and Balancia keeps every currency straight, then suggests the repayments that clear the whole trip when you get home.

Sharing a flat

Rent, electricity, internet and the weekly shop, month after month. Set the repeating ones up once and they appear on schedule. When somebody moves out mid-month, an exact-amount split handles the awkward part.

Living costs with a partner

Two incomes that aren't the same size, and a fifty-fifty split that never felt right. Give the shared pot a percentage or a share ratio instead — 60/40, or three shares to two — and every expense follows it without a conversation each time.

A wedding, a stag do, a group gift

One or two people carry the big bookings while a dozen others owe a share. Guests join the group through a link, so nobody has to make an account for a single weekend — and when the venue returns the deposit, that comes back in as income and reduces what everyone owes.

Something you own together

A car between siblings, a boat between friends, a holiday house in the family. Insurance and maintenance recur; when you rent the place out, that revenue is recorded and split the same way the costs are. Receipts stay attached to the expense they belong to.

A club, a team, a band

Kit and pitch fees going out, subs and gig money coming in. Record both sides in one group, split payouts by shares when they aren't equal, and export the year as an Excel workbook for whoever keeps the books.

Coming from Splitwise

Bring the group with you.

Upload a Splitwise CSV export or JSON backup and Balancia shows you exactly what it will create before writing anything. Run the same file twice and nothing is duplicated. You do not have to start from an empty group.

  1. 1Upload the export you already have.
  2. 2Read the preview — every group, person and expense it will create.
  3. 3Map the people to accounts, and import.
How the import worksBalancia and Splitwise, side by side

What you're used to

Your history sits on a company's servers.

With Balancia

It sits on a server you or someone you trust runs.

What you're used to

Useful features drift behind an upgrade.

With Balancia

Every feature is in the repository, under AGPL-3.0.

What you're used to

Everyone has to sign up before they can be in a group.

With Balancia

Guests join through a link you can revoke.

What you're used to

Getting your data out is an afterthought.

With Balancia

Any group downloads as JSON, CSV or Excel.

AI assistants

Say what you paid. Let your assistant do the typing.

Add Balancia to Claude, ChatGPT or any assistant that supports MCP, the open standard for connecting tools to AI. Then ask in your own words who owes whom, or have it record the dinner you just paid for. There is nothing to install and no key to copy: paste one address and press Allow.

  • You choose read only, or read and make changes. It starts on read only.
  • You choose every group, or only the one it is for.
  • Disconnect it from Settings whenever you like. It stops at once.
How to connect an assistant
  1. You: Who owes whom in Weekend in Lisbon?

  2. Assistant: Théo owes Sam €42.50 and Ada owes Mina €18.00. Those two payments settle the whole group.

  3. You: I paid €63.90 for dinner at Taberna, split with Mina.

  4. Assistant: Done. Dinner at Taberna, €63.90 paid by you and split €31.95 each with Mina.

An example. Your assistant words things in its own way.

Your instance, your data

Nobody sits between you and your money.

Balancia is free software under the AGPL-3.0-or-later licence. It runs from one Docker Compose file with PostgreSQL and a background worker, and requires no third-party services. Telemetry never includes personal data or amounts. On this instance, an administrator has enabled anonymous counts for the public pages and the sign-in screens: which are opened, which of their buttons are pressed and how quickly they load. No page inside the application is counted.

Leaving is as easy as arriving: every group exports to CSV, Excel or JSON from its settings, and a self-hosted instance keeps its database and receipts on disks you own.

The whole installation

  1. 01
    curl -fsSLO https://github.com/sebitr/balancia/releases/latest/download/bootstrap.sh

    Fetches the one file that installs Balancia.

  2. 02
    sh bootstrap.sh

    Sets it up, asks what to enable, and starts everything.

Licence
AGPL-3.0-or-later
Runtime
PostgreSQL 18, one worker
External services
None required
Telemetry
Off by default when self-hosted

The AGPL adds one obligation: run a modified version as a network service and you must offer its users the source. That protects the people trusting your instance with their financial history.

Where it stands

Young software, kept honest.

Everything on this page exists in the repository today. What is finished, what is partial and what has not been started is written down rather than implied — including the parts that are not built yet.

Read the implementation status

Questions

Before you sign up.

Is it actually free?

Yes. An account on this instance costs nothing and no feature is held back. The software itself is free under AGPL-3.0-or-later, so you can also run your own copy and never depend on this one.

Do the people I split with need an account?

No. Invite them through a revocable link. Guests can view the group, add and edit expenses, settle up and upload receipts, but never manage people, links or the group itself.

How do I split an expense between several people?

Add the amount, choose who paid and select the people included. You can split the expense equally, enter exact amounts, assign percentages or use custom shares. Balances update automatically.

Can I split an expense unequally?

Yes. Enter the exact amount for each person, assign percentages or use weighted shares, such as three shares for one person and two for another. Balancia always keeps the total exact.

What happens with different currencies?

Keep each currency balanced on its own, or convert into one base currency at a rate frozen when the expense is recorded, so historical expenses are never silently recalculated. Daily rates can be filled in from the European Central Bank's published figures; that is off by default.

Can I get my data back out?

Any group downloads as JSON — the complete record, amounts exactly as stored — or as CSV or an Excel workbook, from its settings page.

Is anything about my spending sent anywhere?

No. Telemetry never carries personal data or amounts — it exists only to help improve the tool, and on a self-hosted instance it is off by default. Even the category guessing runs locally, with no AI service involved. Optional integrations only make network requests when an administrator enables them. The one thing you can start yourself is connecting an AI assistant to your groups, and it then sees only what you allow.

Can I import my data from Splitwise?

Yes. Balancia accepts a Splitwise group CSV export or JSON backup. It previews the import before bringing in expenses, repayments, currencies and people. Final shares are preserved as exact amounts, but the original split-method label and historical exchange rates are not recreated.

How is Balancia different from Splitwise and Tricount?

Balancia is an open-source, self-hostable alternative to Splitwise and Tricount. Its differences include guest participation without an account, progressive web app installation, four split methods, multi-currency groups and Splitwise data import. Features and offers from each service may change.

Does Balancia work on iPhone and Android?

Yes. Balancia works in a modern browser on desktop, iPhone, iPad and Android. You can also add the progressive web app to your home screen so that it opens like a regular app. It is not distributed through the App Store or Play Store.

Can I use Balancia with Claude, ChatGPT or another AI assistant?

Yes. Balancia is an MCP server, so Claude, ChatGPT and other assistants that accept custom connectors can add it by its address and send you to a Balancia screen to sign in and press Allow. There is nothing to install and no key to copy. You choose read only or read and make changes, and every group or just one, and you can disconnect it from Settings at any time. It acts as you, never sees payment details or email addresses, and Balancia itself calls no AI service. Which plans allow custom connectors is up to the assistant's maker.

Is Balancia open source?

Yes. Balancia's source code is public at github.com/sebitr/balancia under the AGPL-3.0-or-later licence, where the community can inspect, audit and improve it.

How hard is it to run myself?

Two commands: download the bootstrap script, then run it. It asks what to enable and starts PostgreSQL, the migrations, the app and its worker with Docker Compose. Reverse-proxy examples for Caddy, Traefik and nginx are in the docs.

Start with tonight's dinner.Sort out the trip later.

A group takes a minute to set up, and the people in it do not need accounts.

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