Splitt
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Splitt
← Go to app
London is expensive. That's not news. But what's underestimated is how much the cost of living in London strains couple finances — not because couples can't afford the city, but because the financial complexity of splitting a London life creates friction that erodes relationships.
Rent in London averages £2,400/month for a one-bedroom flat. Council tax, utilities, Oyster top-ups, Waitrose runs, and Saturday nights in Shoreditch — by the time you add it all up, a London couple is managing £3,500–£5,000 in shared monthly expenses. Without a clear tracking system, someone always feels like they're paying more than their share.
The solution: Splitt is the best free expense tracker for London couples. No subscription, no Monzo required, works on any phone. Log an expense at the Tesco checkout and your partner sees the balance update instantly.
| Expense | Typical monthly cost | Split method |
|---|---|---|
| Rent (Zone 2, 1-bed) | £2,200–£2,600 | 50/50 or income-proportional |
| Council tax | £150–£200 | 50/50 |
| Utilities + broadband | £120–£180 | 50/50 |
| Groceries | £400–£600 | 50/50 |
| Dining out + pubs | £300–£600 | Alternating or logged |
| Transport (Oyster/TfL) | £100–£200 each | Personal |
Total shared expenses: roughly £3,200–£4,200/month for a typical Zone 2 couple. Without tracking, the inevitable question is: "Are we splitting this fairly?"
Many London couples use Monzo's "Shared Tab" feature. It's a reasonable starting point — it integrates with your existing bank, and both partners can see the tab. But it has real limitations for ongoing couple finances:
Splitt works independently of your bank. Log expenses in any currency, on any phone (Android or iPhone, Monzo or Barclays). The shared balance updates in real time regardless of where you bank.
| App | Cost | Works without same bank? | Spending charts |
|---|---|---|---|
| Splitt Best free | £0 forever | Yes | Yes, by category |
| Monzo Shared Tab | £0 | No (both need Monzo) | No |
| Splitwise | £3–4/person | Yes | Basic |
| Tricount | £0 | Yes | No |
| Honeydue | £0 (limited) | Yes | Yes (paid) |
Here's a realistic week for a London couple using Splitt:
Monday: Partner A pays the weekly Ocado delivery — £87.40. Logs it in Splitt (5 seconds). Partner B sees the balance update immediately.
Wednesday: Partner B pays for dinner at a restaurant in Bermondsey — £64. Logs it. Balance adjusts.
Friday: Partner A pays for cinema tickets — £28. Logs it. Partner B pays for drinks after — £45. Both logged.
End of month: Rent goes out of Partner A's account — £2,200. Logged. Partner B transfers their half directly, or the Splitt balance builds up and they settle monthly.
At any point, either partner can open Splitt and see exactly: "You owe £X" or "They owe you £X." No arguments. No guessing. No passive resentment about who's been paying more.
Once you've agreed on a settlement period (weekly, monthly, or whenever the balance passes a threshold), settling up is simple. Splitt shows you the exact amount. Your partner sends it via:
Splitt doesn't handle the money transfer itself — it just tells you what to transfer. This keeps it simple and avoids the need to link bank accounts or payment methods.
No App Store. No download. No subscription. Works on iPhone and Android. And the data syncs in real time — log an expense on the Northern line between stations, and your partner sees it the moment you have signal.
Free forever. No download. Works on any phone. Set up in 3 minutes.
Start with Splitt →