Friends

That can mean very different things depending on your relationship. A group of friends might use Commingle for a weekend away, while a couple, family or close group of friends might use it continuously for years to share groceries, bills, household expenses, dinners and everything in between.

Commingle doesn’t distinguish between these arrangements. They all work the same way.

Owing doesn’t always mean borrowing

You don’t need to explicitly lend someone money for them to owe you.

Maybe you bought two cinema tickets. You covered dinner. One person paid for the hotel while everyone else paid for other parts of the trip. Or you simply lent a friend some money.

Commingle can keep track of all of these situations. Shared expenses, lending and borrowing all contribute to the balance between friends.

This means you don’t have to reimburse each other every time someone pays. Instead, your balance can simply change over time.

Pay now, figure it out later

Splitting every expense immediately can quickly become annoying – especially when a restaurant bill arrives or several people are paying for different things.

With Commingle, one person can simply pay.

You can add the transaction immediately, attach a photo of the receipt and work out the exact split later. If your balance is in the red, you might even choose to pick up the bill this time instead of sending money to your friends.

Commingle keeps track of the rest.

You don’t have to settle

You can settle with a friend whenever you want, but you don’t have to.

For friends who see each other regularly, balances can simply move back and forth. You pay for dinner today, your friend buys the tickets next time, you pick up the groceries after that.

There may be no reason to send money after every expense – or even to formally settle at all.

As long as everyone is comfortable with the balance, whoever owes more can simply pay the next time.

Transfers and settlements

When money actually changes hands between friends, Commingle treats it as a transfer.

That includes paying someone back, settling an outstanding balance or simply lending money to a friend. A transfer changes the balance between you without representing an expense or income.

So whether you settle frequently, occasionally or almost never is entirely up to you.

From a holiday to years of shared expenses

Commingle works just as well for temporary arrangements as it does for long-lasting ones.

For a short trip, you might add expenses for a few days and settle everything when you get home.

For a close friendship, relationship or household, you might keep using the same connection indefinitely. Bills, groceries, holidays, restaurants and everyday purchases can all contribute to the same running balance.

There’s no group to finish and no accounting period you need to close. Your balance simply continues from where you left it.

A simpler way to share money

The goal isn’t necessarily to keep everyone at zero.

It’s to remove the hassle of constantly asking:

Who paid? How much do I owe you? Should I send it now? Didn’t I pay last time?

Commingle keeps the running balance for you, so you can pay each other when it actually makes sense – or simply let the balance move naturally between you.

Have a close circle of friends?

If several people in your circle use Commingle regularly and trust each other, consider enabling Trusted friends.

Trusted friends can simplify debts across your circle. For example, instead of one friend owing you while you owe another friend, Commingle can reduce the debt chain while keeping everyone’s overall balance correct.