Pa-ga-meShared flat bills, clear every month
Living with flatmates means bills in one person’s name, shared shopping and small costs that get forgotten. With Pa-ga-me everyone adds what they pay and can see how the accounts stand at any time.
One group for the flat
Create a group with everyone who lives in the flat and pin the link in your chat. Whenever someone pays a bill or does the shared shopping, they add it. No need to wait until the end of the month to know who owes whom.
Typical shared flat expenses
Most flats track:
- Electricity, water and gas bills.
- Internet and shared subscriptions.
- Shared shopping: oil, toilet paper, cleaning supplies.
- Repairs and things for the house.
- Recurring expenses that repeat every month.
Different rooms, different shares
If one room is bigger or someone works from home and uses more power, split by shares or by amounts instead of equally. Pa-ga-me does the rest.
Example: a month in a three-person flat
Emma, Liam and Olivia share a flat. This month each of them paid for something different.
| Expense | Paid by | Amount | Split among |
|---|---|---|---|
| Electricity bill | Emma | €84.30 | Everyone |
| Internet | Liam | €35.00 | Everyone |
| Shared shopping | Olivia | €61.20 | Everyone |
| Cleaning supplies | Emma | €18.90 | Everyone |
Payments to settle up
- Liam pays €31.47 to Emma
- Olivia pays €5.26 to Emma
At the end of the month, make the payments the app suggests and start afresh.
How it works
- Create a group with everyone’s name.
- Share the link: anyone who has it can see the group and add expenses.
- Add each expense and who paid it. Pa-ga-me works out the balances and the payments to settle up.
Frequently asked questions
Can I track the rent?
Yes. If one person pays the full rent to the landlord, add it and Pa-ga-me works out what everyone owes them.
What if someone moves out?
Settle their debts with the payments the app suggests and add the new flatmate as a participant.
Can we split unevenly?
Yes: equally, by exact amounts or by shares (for example, 2 shares for the big room).
More ways to use Pa-ga-me
- TripsAccommodation, car hire, fuel and dinners: everyone pays for something and nobody knows who owes what.
- Dinners and restaurantsOne pays the bill, another the drinks and someone skipped the wine. Everyone pays their part.
- Parties and eventsStag and hen dos, birthdays, group gifts and getaways: clear accounts among many.
- CouplesHousehold costs split 50/50 or by income, without keeping score in your head.
- Expense calculatorType who paid for what and instantly get the payments to settle up. No sign-up.
- How to split expensesThe ways to split group expenses fairly, with examples: equally, by consumption and proportionally.
Get started in under a minute
No accounts, no passwords: create the group, share the link, done.