Start your first group

Group Expenses for friends, colleagues, and travel buddies—track who paid, who owes what, and settle up when you're ready.

Couples and roommates need ongoing budgets. Friends on a ski trip or colleagues at lunch need something lighter: add an expense, see balances, settle, done.

Groups are separate from your home workspace. Invite with a link, split costs during the event, and close the group when everyone's square—without mixing trip beer money with your rent.

When Groups beats a household workspace

Equal splits work for some expenses. Custom percentages work when someone paid more. Two-person presets cover the classic "I paid, we split 50/50" in one tap.

Everyone sees the same numbers—less "I think I owe you…" and fewer screenshots of calculators in the group chat.

Fair splits without the awkward math

Balances update as you add expenses. Settle pairwise when you're ready—bank transfer, PayPal, or cash offline. The app records what's been acknowledged so the ledger stays honest.

Finished a trip? Close the group or bring your share into household mode if you're moving in together.

Settle up on your schedule

When one card pays and the restaurant won't split the check, scan the receipt. Diariva reads line items in many languages, translates them for you, and lets you assign each dish and drink to the right person—including tip and tax.

That's the feature friends ask for most. We built it because we've been at that table too.

Receipt scan for restaurant nights

Household finance is one thing. Splitting a weekend trip or team dinner is another. Group Expenses is built for the costs you share temporarily—with people who aren't on your rent contract.

Getting started

Diariva Groups: split trips, dinners, and shared costs without the spreadsheet

Create a group, invite friends, and scan your next receipt.

Try it on your next group dinner

When the restaurant won't split the check, one person pays. Here's how to assign each dish and drink fairly without a spreadsheet.

Equal splits feel unfair when someone ordered water and you had three courses. Restaurants rarely split bills per person—and paying back via bank transfer later only works if everyone agrees on the numbers.

Item-level assignment matches what people actually consumed. Less resentment, fewer "I'll just pay extra to avoid the hassle" moments.

Why item-level splits matter

Take a photo of the receipt—in German, English, Persian, or many other languages. Diariva reads line items, quantities, and totals, then shows names translated to your app language.

Three Cokes on the bill? Tap + twice for you and + once for your friend. Shared bread basket? Hit "Split equally" for that line.

How receipt scan works

Fees don't have to be averaged blindly. Split proportionally by each person's food share—the default—or equally if your group prefers that for tip.

The payer is recorded automatically; balances update so everyone knows what they owe before anyone opens their banking app.

Tip, tax, and service charges

We've all been there: one card pays, everyone owes something different, and nobody wants to do math. Receipt scan in Diariva Groups fixes that.

At the table

Split a restaurant bill by item—with a receipt photo

Diariva gives every household member the same view—imports, reminders, and fair splits included.

Less admin for everyone

How to split the mental load of household finances so tracking, reminders, and settle-ups don't fall on one partner.

Someone remembers the electric bill, chases the roommate, updates the sheet, nudges about rent. Even when splits are fair, the work of tracking can be unfair.

Reddit threads about couples and roommates aren't really about math—they're about one person carrying cognitive load.

The invisible labor of money admin

Both partners should be able to add expenses and see the same balances. Use imports to reduce typing. Use reminders so due dates aren't one person's memory.

Agree on a monthly 15-minute review instead of daily corrections. Rotate who leads the check-in if that helps.

Design for two (or more) contributors

If your system still needs constant WhatsApp reminders, it's not finished. Clear net balances, due dates, and settle-up suggestions replace "you still owe me" messages.

The bar is low: less nagging, more shared visibility.

Tools should reduce chasing

One person as the "household CFO" burns out and breeds resentment. Shared systems fix the pattern—not just the spreadsheet.

Quick tips

Share the money work—without one person doing everything

Diariva supports shared household workspaces and personal ones—with privacy you control.

Build a hybrid system that fits you

Joint account, fully separate, or hybrid? A practical guide to mixing shared household money with personal independence.

Fully shared: One pot for most spending. Simple, but little privacy.

Fully separate: Each person pays agreed bills individually. Maximum independence, harder to see the full picture.

Hybrid (most common): Shared workspace for household costs, personal space for individual spending. Shared where it matters, private where it doesn't.

Three models couples use

What must be shared? (Rent, groceries, kids, utilities.)
What should stay private? (Gifts, hobbies, personal debt.)
Who needs visibility into income? (Some couples share; others toggle it off.)

Answer these before picking apps or spreadsheets—tools should match your boundaries, not force them.

Questions to decide your model

Use one system for shared obligations so balances don't live in chat screenshots. Keep personal purchases out of shared views when you want surprise gifts or autonomy.

Revisit the model when life changes: moving in, marriage, a child, a job change. The goal is peace—not perfect accounting.

Making hybrid work long-term

There's no single "right" model—only what feels fair, sustainable, and respectful of privacy.

Shared vs separate finances: what actually works for couples

Diariva tracks fixed expenses with due dates and reminders—so your household stays ahead of deadlines.

Put shared bills on autopilot

How households use payment reminders for rent, utilities, and subscriptions—so one person isn't the only alarm clock.

In shared homes, missed due dates often become relationship problems: late fees, awkward texts, or one person always playing catch-up.

Reminders aren't about micromanaging—they're about making deadlines visible to everyone who shares the cost.

The hidden cost of "I'll pay it later"

Good candidates: rent, utilities, insurance, shared subscriptions, loan payments tied to the household.

Usually personal: hobbies, individual subscriptions, one-off purchases.

Set reminders a few days before due date so there's time to transfer money or settle balances—not the morning it's due.

What to remind—and what to skip

A reminder works best when paired with clarity about who owes what. If everyone sees the same balance and due dates, nobody has to chase in the group chat.

For couples and roommates alike: one calendar of shared obligations beats five separate mental notes.

Reminders + shared balances

Forgotten rent or utilities don't just cost money—they create friction. A simple reminder system keeps everyone aligned before deadlines hit.

Never miss a shared bill again: due date reminders that actually help

Upload a bank statement in Diariva, review AI suggestions, and build your financial picture in minutes.

Try import on your next statement

Upload a bank statement and let AI suggest recurring bills, variable spending, and income sources. Review, adjust, and apply—without typing every transaction.

You mean to log rent, subscriptions, and groceries—but life gets busy. A spreadsheet starts strong and dies by week three.

The real friction isn't math. It's remembering to add every coffee, every transfer, every bill. If setup takes hours, most households never start—or one person carries the whole load.

Why manual entry fails

Upload a PDF or photo of your statement. Diariva reads transactions and groups them into proposals:

• Recurring expenses (rent, subscriptions, utilities)
• Variable spending you may want to track or split
• Income sources (salary, freelance, transfers in)

You review each suggestion—edit amounts, categories, splits, or skip what doesn't belong—then apply in one go. Nothing is added without your confirmation.

What bank statement import actually does

Use a recent statement (last 1–3 months) so recurring patterns are obvious.

Start with fixed costs—rent, insurance, subscriptions—then handle variable categories.

If you share a household, set splits on shared items before applying so balances stay fair from day one.

Imports use AI credits (photos cost less than PDFs on most plans). You stay in control of what gets created.

Best practices for a clean import

Import gives you a foundation—not a one-time chore. Add new expenses as they happen, turn on due-date reminders for fixed bills, and settle shared balances monthly.

The goal isn't perfect tracking. It's a system that takes minutes a week, not hours a month.

After import: keep it light

Most people give up on expense tracking because data entry feels endless. Bank statement import flips that: you upload once, review suggestions, and apply what fits.

Set up your finances from a bank statement—in minutes, not hours

Diariva helps couples split household costs fairly—with privacy you control and less stress than spreadsheets.

Ready for a system you both trust?

Practical ways to split rent, groceries, and bills when incomes differ—without resentment, spreadsheets, or money arguments.

Most couples don't argue about numbers—they argue about feeling respected. When one person pays more but feels unrecognized, or when one person tracks everything and feels like the household accountant, resentment builds quietly.

A fair system isn't about splitting every coffee exactly. It's about agreeing on rules for shared costs so neither partner carries invisible weight.

Why fairness matters more than the math

Equal splits (50/50): Works well when incomes are similar and shared costs are predictable—rent, utilities, subscriptions.

Proportional splits (by income %): Common when one partner earns significantly more. Rent might be 60/40 while groceries stay 50/50—many couples mix rules per expense type.

Hybrid / custom: Some costs are shared equally, others stay with one person (e.g. a car payment stays with the owner). Write the rule once—don't renegotiate every bill.

Three approaches couples actually use

Pick a calm moment—not right after a big purchase. Start with outcomes: "We both want to feel we're contributing fairly" beats "You never pay your share."

Agree on what's shared vs personal before you track anything. Birthday gifts, hobbies, and personal subscriptions often stay private—and that's healthy.

Review monthly, not daily. A short check-in at month-end beats constant corrections in the moment.

Talk about money without the fight

Spreadsheets work until someone forgets to update them. Couples who last use a shared workspace both can add to—so balances stay visible without one person doing all the admin.

Choose tools that support equal, percentage, and custom splits per expense. Life changes (new job, parental leave, moving in)—your rules should be easy to adjust without starting over.

Make the system last

When one partner earns more, "50/50" isn't always fair—and "we'll figure it out" isn't a system. Here's how couples build a split that feels fair and lasts.