Stop guessing who owes what. Start knowing.
A running balance for your group that updates with every expense. Optimized settle-ups mean fewer payments and less confusion.
This is for you if...
- ✓You've lost track of who paid for what over the last month
- ✓Settling up feels like solving a puzzle nobody wants to do
- ✓You've written off small debts because tracking them wasn't worth the effort
- ✓You want everyone to see the same number without asking
When five people share expenses, the math shouldn't require a group meeting.
Built for groups that share
Are We Even keeps a running balance across your entire group — roommates, trip companions, couples, friends. Thousands of groups use it to stay clear on who owes what without the overhead.
No manual calculations.
Just a number everyone can trust.
Why group balances get out of hand
Too many transactions to track
Person A paid for dinner. Person B covered parking. Person C bought groceries. Now multiply that across a month.
Settle-up math is surprisingly hard
With three or more people, figuring out the minimum number of payments is a real optimization problem. Most people just guess.
Old debts get forgotten
That $18 from two weeks ago? Nobody remembers. It's not worth bringing up, but it adds up.
Different tools show different numbers
One person checks Venmo. Another checks the spreadsheet. Nobody agrees on the balance.
One balance. Always current.
Are We Even maintains a single running balance for your group. Every expense updates it automatically. When it's time to settle up, the app tells you exactly who pays whom — and minimizes the number of transactions. No reconciliation. No conflicting records. No "I thought we were even."
- Automatic balance calculation across all group members
- Debt minimization reduces the number of settle-up payments
- Everyone sees the same numbers in real time
How it works
Create your group
Add the people you share expenses with. Roommates, trip crew, whatever.
Log expenses as they happen
Takes seconds. Who paid, how much, who it's split between.
Balances update instantly
The running total adjusts with every new expense. No refresh needed.
Settle up with minimum payments
The app calculates the fewest transfers needed to get everyone to zero.
Your group's financial picture at a glance
Running balances, recent expenses, and settle-up amounts — all in one view.
Features
Real-time balances
Every expense updates the group balance immediately. No waiting, no manual recalculation.
Debt minimization
Five people, ten debts — but only three payments needed. The app finds the optimal path to settle everyone up.
Full expense history
Every transaction logged with date, amount, payer, and split details. Scroll back anytime.
Multi-group support
Separate balances for separate groups. Roommates, trip friends, and your partner each get their own clean ledger.
Common groups that need balance tracking
How groups track balances today
| Method | The Problem |
|---|---|
| Group text thread | amounts get buried in conversation |
| Shared spreadsheet | someone always forgets to update it |
| Venmo history | shows payments, not balances |
| Memory | everyone remembers a different number |
| Are We Even | automatic running balance with settle-up optimization |
Not everyone needs to be active
One person can manage the group. Add expenses, track the balance, share the totals. Others can check in when they want — or just trust the numbers when it's time to settle up. The best expense tracker works even when only one person uses it consistently.
Frequently Asked Questions
- How does debt minimization work?
- Instead of everyone paying everyone else, the app finds the fewest transfers needed to settle all balances. In a group of five, this often reduces ten individual debts down to three or four payments.
- Can I see historical balances?
- Yes. Every expense is logged with full details. You can scroll back through the complete history of your group's shared costs and see the balance at any point in time.
- What happens when someone new joins the group?
- They start with a zero balance. Past expenses aren't affected. New expenses include them going forward. Clean slate.
Group expenses don't have to be complicated.
One balance. Always current. Always clear.