01
Add the bill once
Snap it, forward it, or type it in. Bill Switch splits it evenly, by percentage, or by whatever your household actually agreed to at the kitchen table.
Not a loan. Not a credit line. Just better timing.Split expenses,
Split expenses,
schedule payments,
simplify life.
Bill Switch splits shared bills with your roommates, partner or friends — then lets each person break their share into smaller payments that land on their paydays. Same money, same people, far less stress.
Free to join. We'll email you when your household's invite is ready — no card needed.
No interest or late feesOne plan covers the householdYour own money, moved on time
Household ledger
Maple Street · March
All settled on plan
Rent + utilities + groceries
$2,104
split 3 ways
- $701
Rae
Scheduled ×3
- $701
Devin
Paid in full
- $702
Marisol
Scheduled ×2
Rae's switch plan
Mar 01
$234
Paid
Mar 15
$234
Paid
Mar 29
$233
Queued
No lending. No interest. Rae's own money, moved on the dates her household already agreed to.
- Rent, split 4 ways
- Utilities on the 5th
- Deposit over 3 paydays
- Groceries, evenly
- Vet bill in instalments
- Wi-Fi, auto-split
- Beach house booking
- Insurance, quarterly
How it works
Three steps between a shared bill and a calm month.
Splitting a bill is the easy half. The hard half is that one lump sum lands on a date that suits the landlord, not your pay cycle. Bill Switch fixes the second half.
02
Switch your share to a schedule
Any share can become 2–6 smaller payments across your paydays. Your housemates see the plan and the dates — nobody has to front anything or chase you.
03
Let it run, then read the insight
Payments move automatically on the agreed dates. AI Spending Insights tells you which bill keeps landing in the wrong week — and what to shift.
Features
Built for the people who split everything.
Roommates, couples and friend groups whose money is tight in the last week of the month — not because they overspend, but because the bills all land together.
Splits that survive real life
Even, custom, percentage, or per-item. Change a split mid-month and every balance recalculates instantly — no spreadsheet archaeology.
Payment scheduling, not borrowing
Turn a $702 share into three $234 payments across your paydays. It is your own money, moved on dates you set. No credit, no interest, no fees for the person waiting.
AI Spending Insights
Your household ledger, read closely: the bill that always lands three days before payday, the split that quietly drifted, the subscription nobody remembers approving.
90-day bill runway
See every scheduled instalment and recurring bill on one timeline, so a big quarterly charge never ambushes the household again.
Nudges, not nagging
Blameless reminders go to the ledger, not to a group chat at 11pm. Everyone sees status without anyone having to play debt collector.
Shared goal pots
Save toward a deposit, a trip, or the next quarterly bill together — with each person contributing on their own cadence.
AI spending insights
Try it on a household that isn't yours.
Pick one of the fictional households below and watch Bill Switch read its ledger the way it would read yours — pointing at the timing, the drift and the fix.
Sample household
- People
- 3
- Monthly share / person
- $940
Fictional data. Runs on your own AI provider key.
Add an AI key to switch this on
AI Spending Insights runs on your own provider account, so nothing is faked here. Add either project secret and this panel starts generating live insights instantly:
- OPENAI_API_KEY
- GEMINI_API_KEY
Either one is enough — OpenAI is used first when both are present.
Why Bill Switch
Everyone else stops at the split.
Splitwise tells you what you owe. Venmo moves the money once you've got it. Honeydue is built for two. None of them help when your share is correct but the timing is wrong.
| Capability | Bill Switch | Splitwise | Venmo | Honeydue |
|---|---|---|---|---|
| Shared ledger for a whole household | Supported | Supported | Not supported | Partly supported |
| Uneven, custom and per-item splits | Supported | Supported | Partly supported | Partly supported |
| Split your share into scheduled instalments | Supported | Not supported | Not supported | Not supported |
| Payments move automatically on agreed dates | Supported | Not supported | Partly supported | Not supported |
| Built for 3+ roommates, not just two partners | Supported | Supported | Partly supported | Not supported |
| AI insights on shared spending habits | Supported | Not supported | Not supported | Partly supported |
| No lending, no interest, no credit check | Supported | Supported | Partly supported | Supported |
Supported Partly supported Not supportedComparison reflects each product's publicly documented, core-use-case features and is provided for illustration. All other names are trademarks of their owners.
- instalments per share
- 3–6instalments per sharematched to your paydays
- interest, ever
- $0interest, evernot a loan, not a credit product
- of bill runway
- 90dof bill runwayforecast for the whole household
- subscription per household
- 1subscription per householdeveryone else joins free
Households
What early households tell us.
Illustrative quotes from our private beta. Names and details are fictional.
We stopped having the rent conversation. The split is agreed once, my share runs over two paydays, and my housemates can see it happening without asking me.
The furniture bill would have wiped out our month. Splitting it and then spreading my half across three dates was the difference between stressed and fine.
The insight that our internet bill always hit two days before payday was embarrassingly obvious once the app said it out loud. We moved it. Month fixed.
Pricing
One price. The whole household.
$19 a month for the people splitting the bill — not $19 each. Cheaper than one missed payment, and there is never interest attached to anything Bill Switch does.
Core
Everything you need to keep a household honest about who owes what.
$0forever
- Unlimited shared expense splitting
- Even, custom and percentage splits
- Household activity feed
- Gentle nudge reminders
Plus
Most popularScheduling, forecasting and AI insights for the whole household.
$19per household / month
Cancel anytime. Every member of your household is included.
- Everything in Core
- Payment scheduling: turn any share into 2–6 instalments
- AI Spending Insights on your household ledger
- Bill runway forecast for the next 90 days
- Auto-split recurring bills the day they land
- Shared goal pots for deposits and trips
- Priority human support
Secure checkout · cancel anytime · no credit product, ever
FAQ
The questions every household asks.
No. Bill Switch is not a lender and never fronts cash. There is no credit check, no interest, no late fees and nothing reported to credit bureaus. We simply move your own money on a schedule you choose, from your account to the person or bill it already belonged to.
Paying late is silent and unilateral — someone else covers you and resentment builds. A switch plan is agreed up front: your housemates see the dates, the app moves each instalment automatically, and the shared balance updates as it goes. Everyone knows exactly where they stand.
Splitwise tracks the debt but leaves you to settle it in one lump. Venmo moves money but has no concept of a shared household ledger. Honeydue is built for two partners, not five roommates. Bill Switch is the only one that splits the bill and then schedules each share into payments that fit the payer's cash flow.
Only the shared household ledger — the bills you split and the schedules you set. Insights point out patterns like a bill that always lands three days before payday, or a split that quietly drifted out of balance. You can turn insights off for your household at any time.
The household sees a clear, blameless status change and Bill Switch retries on the next agreed date. No one is silently left holding the bag, and there are no penalty fees — the point is visibility, not punishment.
Yes. One Plus subscription covers the whole household, and anyone you split with can participate on the free Core tier. You never need every person to pay to keep a shared ledger honest.
We're onboarding households from the waitlist in batches, starting with roommate groups of three or more. Join the list and we'll email you when your household's invite is ready.
Your share, on your schedule.
Join the waitlist and we'll invite your household in the next batch. Free to start, nothing to install for the people you split with.
Bill Switch is not a lenderSee what Plus adds