Sharing expenses with a partner, housemates or friends shouldn’t feel like a part-time accounting job. Yet most of us still rely on messy spreadsheets, endless payment requests, and group chats full of “Who owes what?” every time we spend money together.
Even the most popular “shared expense” apps still expect you to manually type in transactions, save receipts, and settle up later. Helpful, yes — but hardly effortless.
If you want an app that actually tracks shared expenses automatically — with no admin, no logging, and no chasing — there’s finally a solution.
Meet Cino, the simplest app to track shared expenses without lifting a finger.
Apps like Splitwise and Tricount definitely helped modernise shared spending — but they still put the work on you. To track shared expenses properly, you typically have to:
That’s not “tracking shared expenses”.
That’s unpaid admin.
It’s even worse for:
These apps track shared expenses, yes — but only after you do the work.
Cino flips the entire model.
Cino is the first app that tracks shared expenses as they happen, with zero manual entry.
Here’s how it works:
“Housemates”, “Partner”, “Sicily Trip”, “Girls Weekend”, you name it.
No new bank account.
No switching banks.
No balance to top up.
Everyone gets the same group card in their Apple Pay or Google Pay wallet.
Each person’s share comes off their own bank card instantly.
Exactly in the ratio you decide.
50/50?
60/40?
70/30?
Exact amounts?
All possible.
No typing.
No uploading receipts.
No “adding an expense”.
No spreadsheets ever.
This is what makes Cino the simplest app for shared expenses — you don’t track anything. The app does it all.
Perfect for groceries, dinners, taxis, rent, hotels — everything.
Cino settles the bill at the moment of purchase.
You pay only your share, right away.
Because there’s nothing to chase.
Cino handles equal splits, income-based splits or exact amounts.
Barclays, Monzo, NatWest, Revolut, Starling — everyone keeps their own bank account.
From date nights to utility bills to group travel.
Unlike most banks, Cino doesn’t charge foreign-transaction fees. Great for shared travel expenses.
Every shared expense is logged instantly.
Cino pins every place you pay — creating a shared map of memories.
Perfect for couples and travellers.
Split a one-off expense with friends who don’t have Cino — no signup required.
Let the app pick who pays the bill for fun nights out.
Yes — very.
And because everyone only pays their share, there’s no risk of someone draining a shared account (a big downside to joint bank accounts).
Cino is the simplest app to track shared expenses because it removes the one thing no other app fixes: the admin.
No logging.
No debt.
No “I’ll transfer you later”.
No spreadsheets.
Just shared spending that stays fair, instant and automatic.
If you want to track shared expenses without actually tracking anything, Cino is the only app that truly does it for you.
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