When two people live together, their expenses and each other's expenses get mixed up in a single account. Who paid how much varies from day to day. If you try to split the bill later, you have to lay out the receipts and recalculate.
"Seppal" is a household budgeting app that automates these tedious calculations.
■ Easy Shopping Registration
You don't need to enter each item on the receipt individually. Simply divide your purchases into three categories: "Your Items," "Your Partner's Items," and "Both of Yours," and enter the total amount for each.
The amount column has a built-in calculator, so you can add up the amounts on the spot while looking at the receipt.
Purchases paid for by one person together, and purchases where each person paid their own share, can both be recorded.
■ Settle Payments at Your Preferred Time
You don't need to settle payments after every purchase. The app automatically calculates how much each person should pay after deducting any amounts advanced.
You can settle payments all at once at your preferred time.
Money transfers are done outside the app. It doesn't matter if you pay with cash, bank transfer, or a money transfer app. Just record it when you're done.
■ Both of you can see the records, regardless of who records them.
You don't need to ask the other person to record. No matter who records, it will appear on their screen. Monthly expenses are displayed as a 12-month bar graph, with each person's contribution clearly shown in color.
You'll receive a notification when the other person records. The notification text won't include the amount or store name. The text displayed on the lock screen is designed to be discreet even if seen by others.
■ You can try it alone before inviting someone else.
You can record expenses even without linking accounts. You can test its usability before deciding whether to use it together.
When linking accounts, you share a code, and the issuing party approves it. Requests from unknown individuals will not automatically lead to sharing household accounts.
You can unlink accounts alone without waiting for the other person's consent.
■ For couples like this:
- Want to decide how to divide living expenses after starting to live together
- Find it troublesome to split the bill precisely every time, but also feel uneasy about being too vague with the money
- Tried a household budget app, but couldn't stick with it because the input was too detailed
- Don't want to create a joint account, but want to share the burden fairly
Making splitting living expenses with your partner easy. Solve all your financial worries with this one product.