When I was using Billmonk a few years ago, my wife and I started out with separate accounts, but since we share finances, often times we'd be repaying debts for one another (since we have the same friends) and it got confusing. My solution was to just turn my account into "Joe&Jane Smith" and have all our expenses go through one account and removed her account completely.
I'm not sure the ideal implementation for this situation. Perhaps a "family account." Perhaps the ability to add multiple email addresses would work (but unlike a previous feature request, this application would be such that a family could share an account under different members' email addresses). Then if people tried to add the husband or wife as a friend via email address, it'd add the "family account" instead and work accordingly.
Splitwise has some basic support for this now, depending on what you’re looking for. We now support multiple email addresses for a single account, so you can more easily share one account with multiple people.
However, we won’t automatically adjust how much you should owe as a “couple”. For example, if “Bob” adds an expense with “Sue and John’s Couple Account”, then the bill will be split 50/50 between those two Splitwise accounts. I can definitely see how it would be useful to automatically make Sue and John pay for 2 shares, but we’re unlikely to add that feature in the near future. For now, you can still work around this by manually using the “Split by shares” option when adding a bill, and assigning 2 shares to the relevant account.
This would have been very useful on a recent trip we did with 4 families with children. We needed to track expenses for each child but then roll up the payments for each family to settle up. Perhaps being able to optionally place people into a “Payment Group” could be a solution?
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Guilherme Azevedo commented
If a person is paying for two it will be great if you can put in the app.
For example a couple that has the same account. We need to put the name of both to the sharing bills divides by the correctly number off people, but depending of the bills one of the coupe will have to pay to himself/herself because the account is the same.
I think that it’s easy to create a options that a person is paying for two or three and etc.
Imaging if someone is paying for all his/her family.
Josh Puls commented
We just tried to do the debt simplify option. But it didn’t work because it doesn’t take account into account who in the group are couples and who are not. In order to make it work we had to switch off the simplification option.
Ramya Kurra commented
An option to add accounts together as husband wife if we want.
So their finances can be together as what they owe or what they get.
A feature that can be turned on or off based on the users preference.
hai than commented
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Niklas Dey commented
Imagine my wife and I are with friends on holiday. Some activities we join together, others separate.
It would be great if my wife and I can be tagged separately for certain expenses, so both names are available in that group. Bit at the end the open debts are combined to a Common couple account this we have the Same Bank Account. It Makes absolutely no sense that I owe money to my wife of that we have to Pay multiple amounts in that group from One Bank Account.
I am using Splitwise on my trips to share the expenses.
If there is an option to set couples in application it may help simplify the debts in a better way.
Anthony Pelosi commented
It would be great to associate a couple in a group such that if they owe each other $ it treats it differently. Probably different options, but one that comes to mind is when using simplify debt, and they owe each other the same $ but no one else does (A owes $X, B is owed $X, A & B are a couple, no one else owes or is owed), that it does NOT highlight the $ they owe each other so that the group admin doesn't continue seeing that highlighted and think he needs to take action. In my case, I am a landlord and admin of a group, and I have a couple as tenants, and sometimes one will pay and sometimes the other will pay fo rent, security deposit, utilities, etc. Thanks!
Estaria bien que se puedieran juntar personas para sumar saldos al liquidar. Por ejemplo, yo con mi pareja, una familia entera,... de esta forma se podrían pasar gastos individualizados para cada uno, pero al liquidar considerar la pareja o la familia como uno solo con el saldo global.
Ivan Latták commented
The setting would cause any debts between the two chosen members (whether created directly by group expenses or indirectly by "Simplify debts") to be nullified automatically. This is useful if for example there is a son/father pair or a wife/husband pair as members of a group and they want the debts between them to be automatically settled because they do not care about money ownership between themselves. They still want to be present in the group as two people for the purposes of equal splitting of expenses etc.
I know you marked this idea as completed, but it would be great to have a couples (or family) functionality built in, to link people, for trips where you have families, couples and singles. The suggested work around (http://feedback.splitwise.com/knowledgebase/articles/967453-tips-for-splitting-expenses-in-groups-with-couples) is not elegant or graceful, which seems not in keeping with the rest of the app.
I have one good idea for you. Suppose we have group of 3 or more members and one person also want to pay for other (for his wife, friend, husband any.) then there should be an option to mark that person by the person who is ready to pay all the debts other person owes.
So during settlement of the balances, everything that blessed person owes will show to the person who mark specific person as blessed.
I hope this idea looks good to you.
Chris Reinhard commented
Would be great to have the ability to to run multiple profiles under the same account. Say I use splitwise as an individual, couple, and family... My understanding is that I need 3 accounts and cannot have an overview of where accounts are at under all profiles.
Profiles should be connected to peoples accounts by phone# / email so my wife could have access to our couple profile without having the data from my personal profile impact her overall balances.
Julie Nguyen commented
It would be great if there was an option to add “family members” or “group members” in addition to just individuals. For example, you could add a contact with a phone number or email who would act as the “head of household” but also be able to add additional family members under the “head of household.” For example, we are currently planning a trip and want to split costs equally among 18 people. However, several of the attendees are young children who don’t have emails/phone numbers and wouldn’t even be responsible for settling up their bills. Instead of making dummy placeholders for all these children, it would be nice to be able to add “child accounts” under their parents’ account.
Ryan strom commented
A recent trip exposed what I suspect is a regular use case. My wife and I went on a trip with other couples and wanted to consolidate our debt together so that we were only paying between couples. We still wanted to be in as individuals though because sometimes only some people from each couple would be involved in specific activities (attracting shared costs unevenly). So when we went to settle up we wanted to be able to just consolidate the debt inside the couple so we would only have to settle up between couples. Suspect it could work within the debt simplification module....
Joaquim Monteiro commented
Very useful for couples in group transactions were one pays the others bills, but you still want to include both to even out the split total
Saran Laoyookhong commented
In many trip, I came across where there are couples and/or family members inside the group and are often counted as individual unit. I know there are some options like
However, the ability to later combine persons into unit would allow the simplicity when entering each expense while keeping the post-trip settlement simple.
Dan Jackson commented
We're doing the same thing as Jaime, except for a shared bank account that we pay bills (like our mortgage) from. Being forced to create a "dummy" account was non-obvious & frustrating.
I'm stoked that there's enough flexibility to represent what we want to do: deposits to acct (from individual or from both of us) plus shared bills paid by the account or by an individual. However, the default settings are never right, and its tricky to get right every time.
My partner and I have a shared credit card, and we often split purchases and use split wise to track how much we each owe the credit card.
Currently we have made an extra account and named it “credit card” we have to make the credit card the person we owe money to, and then manually split payments removing credit card as someone who splits the purchase.
It would be good to have a way to incorporate shared accounts without all these extra steps.