For flatmates and roommates
Rent is the easy part.
Everybody knows what rent is. Nobody tracks the other four hundred a month that keeps the place running, or notices which of you has quietly been covering most of it.
- 14 days free
- No credit card to start
- One subscription for both of you
Over 30%
of adults in major US cities are projected to live with roommates as metro rents keep climbing.
iROOMit housing analysis, 2026
Pairly does not connect to bank accounts or credit cards. It only knows what you type into it.
“Did anyone actually pay the internet?”
Splitting apps answer who owes who after the fact, and they are good at it. This is the job before that one: what does this apartment cost every month, and are we both putting in the same.
You. Your roommate. And the apartment pot.
Identical salaries, identical rent, and it still comes out uneven because one of you keeps fronting things. The pot fixes that. Money goes in, bills come out, nobody is owed anything.
Bigger room, transit pass
- Into the apartment pot$1,420
- Set aside$400
- Your groceries$320
- Transit pass$127
- Phone$45
- Subscriptions$38
Groceries stay yours. Nobody is auditing anybody's cereal.
Example figures, written for this situation. Pairly never guesses what you earn.
Here is what that looks like.
Two here because two fits on a phone. Nothing stops at two: add everyone on the lease and every shared cost divides across all of you.
And who covers what
Split evenly
- You earns $3,400puts in $2,215, keeps $1,185
- Your roommate earns $3,400puts in $2,215, keeps $1,185
Example figures. Pairly works with whatever you put in.
Your first fifteen minutes.
Do it once with everybody in the room. Ten minutes, and then never again.
- Rent, and who has which room
- Electricity and gas
- Internet, and whose name it is in
- Water and trash
- The shared streaming nobody remembers starting
- The household stuff one of you keeps buyingDetergent, bin bags, lightbulbs. This is the invisible one, and it is usually the same person paying.
From here the apartment has a monthly number, and nobody has to remember who paid what.
So what do you actually do?
The bills nobody remembers
Water, trash, the router rental, the streaming account somebody set up in 2022. One page, and they stay there.
Recurring expenses
Even, or not
If one of you took the bigger room, the split does not have to be down the middle. Set it once and every shared cost follows it.
Custom split
What the place costs to run
One figure for the whole apartment, so a conversation about money starts from a number instead of an impression.
Available money
The fair question
We use Splitwise. Is this not the same thing?
No, and we would not try to replace it. Splitwise settles debts between people and it is good at that. Pairly tells you what the apartment costs to run before anybody owes anybody anything. Plenty of people would sensibly use both.
One of us always fronts the bill and waits to be paid back.
That is exactly what the pot removes. Everybody puts in on the same day, bills come out of it, and nobody is out of pocket waiting on anybody. What you lose is the running mental ledger, which is the part that actually causes the friction.
Someone is moving out mid-lease. Now what?
Change who is in the space and the shared costs redivide from that month onward. You do not have to unpick the history or start a new space.
One apartment, one number, no ledger of who owes who.
14 days free, then $4.99 a month or $47.88 a year for the two of you together.