Split household bills with your partner, without a bank login

Rent, utilities, groceries, the streaming services: Convivo keeps every bill with its due date, and keeps a running tally of who's paid what — then tells you the fewest payments to even up.

What you get

• Bills, subscriptions and debts with what's due each paycheck.
• Split each cost evenly or by amount, and see who owes whom at a glance.
• Import a bank statement file to tick off paid bills — no bank login, ever.
• Personal spending stays private unless you share it.

Not sure how to split? Read how couples split bills fairly.

Create your household — free during the beta

Questions

Do I need to connect my bank?

No. Convivo never asks for bank logins. You add bills and payments yourself, or import a bank statement file to mark bills paid.

How does Convivo work out who owes whom?

Record who paid each shared cost and how it's split; Convivo totals what each person owes and suggests the fewest payments to settle up.

Can each of us keep some spending private?

Yes. Like everything in Convivo, a bill or cost is private to the person who added it until they share it.

Updated 2026-10-11.