CashWise for Roommates
One shared ledger for rent, utilities, and groceries. One honest number for what you can spend after your share.
The short answer
CashWise is an expense-splitting app for roommates that goes further than IOU trackers like Splitwise: GroupVault keeps a running ledger of rent, utilities, and shared purchases, calculates who owes whom, and settles through Venmo, Cash App, or Zelle, while the same app watches your own bank account and tells you what's safe to spend after your share of the bills. Roommates join free.
Every shared apartment runs on an invisible ledger. Someone's name is on the electric bill. Someone bought the couch. Someone always grabs the groceries and is too polite to invoice for them. The ledger exists whether you track it or not; the only question is whether it lives in an app or in slowly accumulating resentment.
CashWise gives the apartment one shared source of truth, and gives each roommate something no split-only app offers: a personal safe-to-spend number that already accounts for their share of what's due.
One person's name is on the Wi-Fi, electric, and water. Every month they front the money, do the division, and send three texts that get ignored for a week. The system works only as long as their patience does.
A request for $37.82 lands with no explanation, attached to a grocery run from eleven days ago. Now there's an audit, a debate about whether oat milk counts as shared, and a payment made out of fatigue rather than agreement.
Your bank balance looks healthy because rent hasn't been collected yet and you owe for two grocery runs. A budgeting app that can't see house debts is lying to you by omission.
Create a GroupVault for the house. Rent, utilities, supplies, and shared food all go in as they happen; whoever paid, logs it. The ledger is visible to everyone, so there's nothing to argue about later.
CashWise continuously calculates who owes whom, netting everything against everything. The utilities martyr retires; the app sends the awkward reminder instead.
Balances clear through Venmo, Cash App, or Zelle in a couple of taps. CashWise never holds the money. It just makes the number undeniable.
Because your personal budget and house ledger live in one app, safe-to-spend reflects your actual position: what's yours after your share of rent, utilities, and last week's Costco run.
One roommate creates a GroupVault and invites everyone. Joining is free.
Rent, Wi-Fi, paper towels: ten seconds at the register, and the ledger stays current.
Everyone sees the same balances. No one has to be the enforcer.
Clear balances via Venmo, Cash App, or Zelle and start the cycle clean.
No. Joining a GroupVault, participating in expenses, and tracking your payments is free. Only the person who creates vaults needs Pro. The whole house participates at no cost.
Splitwise tracks the IOUs and stops there. CashWise tracks the IOUs and connects to your bank, so your personal safe-to-spend number accounts for what you owe the house. One app instead of a splitter plus a separate budgeting app. See the full CashWise vs Splitwise comparison.
No. CashWise never holds or transfers funds. It calculates who owes what; payments happen through Venmo, Cash App, or Zelle, and the settlement gets recorded in the vault.
Shared costs don't have to be equal. Log expenses with the split your house agreed on; if you're still negotiating that, our rent split calculator handles room-size and income-based splits.
Join the CashWise early access. Bank-connected budgeting plus group expense splitting, settled in the apps you already use.