How to split bills with a roommate fairly
What to split equally, what to split by usage, and the apps that prevent the conversation.
Theo Russell
February 4, 2026
What to split equally
Rent (if rooms are similar size), shared utilities (water, internet, electric for shared spaces), shared subscriptions (Netflix, Spotify family).
If rooms are very different in size, prorate rent by square footage. Spotrent.com has a free calculator that handles this fairly.
What to split by usage
Groceries: don't share unless you cook together regularly. Mixing groceries is the #1 source of roommate friction.
Streaming services beyond shared: each person pays for their own.
Use the right app
Splitwise is the standard. Free. Tracks who paid what, who owes whom. Settles up at intervals — weekly is ideal.
Don't try to track it in your head. Six weeks of accumulated 'I'll get the next one' becomes resentment.
People also ask
Should we have a joint account?+
Only for shared bills, and only if you really trust the person. Most setups work better with Splitwise + monthly settlement.
How do I bring up money issues?+
Schedule a 'house meeting' once a month. Talking about money outside emotional moments is much easier than in them.
What if my roommate is late paying?+
Address it on day one of being late. Patterns set early. Don't let 2 months pass before saying something.