EvenOut vs YNAB for shared expenses: sharing, price and splitting
Quick answer
EvenOut tracks who paid and who owes whom for any group or friend, free, with no ads and no daily expense limit on the free plan. YNAB is a budgeting app that shares one subscription among up to six people at $109 a year or $14.99 a month, and its own guide pairs it with a bill-splitting app (October 2026).
Key points
- EvenOut splits shared costs free, with no ads and no daily expense limit on the free plan. YNAB costs $109 a year or $14.99 a month after a 34-day trial (October 2026).
- A group in EvenOut holds up to 200 people, and each expense splits equally, by exact amounts, by percent, by shares or by item. YNAB covers up to six people per subscription.
- YNAB's own guide says its options work with all bill-splitting apps: YNAB records the money, and the splitting app tracks who owes whom.
- Four people sharing a $109 YNAB year pay $27.25 each before tax. EvenOut can add that expense for you every year as a yearly repeat.
- A person who is not on EvenOut can be added by name as a guest. Each YNAB member needs their own account and login.
On this page
How does sharing work in YNAB?
As of October 2026, YNAB shares one subscription among up to six people, and each person gets their own login. The person who invites the others becomes the Group Manager, is billed for the subscription, and can invite and remove members.
The price is $109 a year (shown as $9.08 a month) or $14.99 a month, in US dollars plus tax where applicable. A 34-day trial needs no card when you sign up directly with YNAB.
Sharing in YNAB covers the subscription and lets members share budgets. Who owes whom after a shared purchase is a separate question, and YNAB’s own guide pairs it with a bill-splitting app for that. EvenOut answers it for any group of up to 200 people, with no daily expense limit on its free plan.
What does YNAB say to do about splitting bills?
YNAB’s help guide “Splitwise and YNAB” says its options “work with all bill-splitting apps, including Venmo Groups”, so the same steps apply with EvenOut. YNAB records the money and the splitting app tracks who owes whom. Both options use three things in your YNAB plan:
- A “Splitting” category. The other person’s share of a purchase goes here.
- An “I Pay” transaction. A split transaction for something you bought on someone’s behalf.
- A “Settle Up” transaction. The payment when one of you pays the other back. It is a plain inflow or outflow in the simple option and a split transaction in the detailed one.
What does it look like with real numbers?
Say Sam and Alex share a flat and split everything equally for a month. Sam pays the $140 groceries and the $90 electric bill. Alex pays the $60 internet bill.
- Alex owes Sam half of $140 ($70) and half of $90 ($45), so $115.
- Sam owes Alex half of $60, so $30.
- The difference is $115 minus $30, so Alex owes Sam $85.
In EvenOut, the three expenses go into a Household group with “Paid by” set to whoever paid, and Sam sees “Alex owes you” for $85. One Settle up records it as a single payment.
In YNAB, following the guide’s simple option, Sam enters the groceries and the electric bill as split transactions with Alex’s $70 and $45 in the Splitting category. When Alex pays, Sam enters the $85, also categorized to Splitting. EvenOut works out the $85, and YNAB records where the money went. The guide on how to figure out who owes who has more examples.
Can you split the cost of a YNAB subscription?
The Group Manager is billed, so if the group agrees to split it, the others owe the manager their share. Before tax, $109 a year or $14.99 a month divides evenly or within one cent.
| Billing | People sharing | Each person pays |
|---|---|---|
| $109 a year | 2 | $54.50 |
| $109 a year | 4 | $27.25 |
| $109 a year | 6 | $18.17 (four people), $18.16 (two people) |
| $14.99 a month | 2 | $7.50 (one person), $7.49 (the other) |
| $14.99 a month | 3 | $5.00 (two people), $4.99 (one person) |
| $14.99 a month | 6 | $2.50 (five people), $2.49 (one person) |
EvenOut shares out the remainder cents, so the shares add up to the total. Add the subscription as one expense paid by the Group Manager and set Repeat to Yearly or Monthly. Each later one is added for you with the same payer and split, and how to track shared subscriptions and renewals covers keeping tabs on the rest.
Which should you use?
Use EvenOut when you split costs with a roommate, a partner or a group and want the balances. It is free, with no ads and no daily expense limit on the free plan, and its Pro plan, at $9.99 a month or $79.99 a year, adds only receipt scanning and the assistant.
Use both if you also budget in YNAB: YNAB for your own money and EvenOut for the shared ledger, the division of jobs YNAB’s guide describes. EvenOut has no budgets and no bank linking, so you enter the settled payment in YNAB by hand. Couples weighing the two kinds of app can read budget app or expense splitter for couples, and expense splitting apps for couples compares the splitters.
Use YNAB alone when you track your own spending and share just the subscription.
EvenOut and YNAB feature by feature
| Feature | EvenOut | YNAB |
|---|---|---|
| Price of the core app | Free, with no ads and no daily expense limit on the free plan. Pro adds receipt scanning and the assistant | $109 a year or $14.99 a month in US dollars plus tax where applicable, after a 34-day trial (October 2026) |
| Who owes whom | Tracks who paid and who owes whom for each group or friend | Its guide pairs it with a bill-splitting app for this; Reimbursements covers purchases made for others without one |
| Split methods | Equally, exact amounts, percent, shares or by item, chosen per expense | Split transactions put part of one purchase in a category, such as Splitting |
| People who share | A group holds up to 200 people | One subscription covers up to six people, each with their own login |
| People without an account | Add a guest by name and invite them to claim their spot later | Each member gets their own YNAB account and login |
| What it is | An expense splitter: who paid, who owes whom, and settling up | A budgeting app: a plan for your spending |
| Who is in charge | The group owner sets roles (Member, or Viewer who can comment but not add expenses) and removes people | The Group Manager is billed, invites and removes members, and always sees all budgets |
| Recording a payment | Settle up records a payment, including a partial one; it moves no money | A Settle Up transaction entered in the register |
| Pricing | Free to use, with no ads and no daily expense limit on the free plan. EvenOut Pro, for receipt scanning and the assistant, is $9.99 a month or $79.99 a year. | $109 a year (shown as $9.08 a month) or $14.99 a month, in US dollars plus tax where applicable, as of October 2026. A 34-day trial needs no card when you sign up directly. |
Why people choose EvenOut
- YNAB's guide uses a bill-splitting app to track who owes whom, and EvenOut does that for any group or friend, with no daily expense limit on its free plan.
- EvenOut's core splitting is free with no ads, where YNAB is a paid subscription at $109 a year or $14.99 a month after a 34-day trial.
- Each expense can be split equally, by exact amounts, by percent, by shares or by item, and remainder cents are shared out so the shares add up to the total.
- A group in EvenOut holds up to 200 people. A person who is not on EvenOut yet can be added by name as a guest, where each YNAB member needs their own account and login.
- Simplify debts is on by default and cuts the number of payments needed to settle a group without changing what anyone owes.
Frequently asked questions
How does YNAB's 34-day trial work?
YNAB says no credit card is needed when you sign up directly with it, and you are not charged unless you subscribe, so there is nothing to cancel. It sends a reminder before the trial ends. EvenOut's free plan has no daily expense limit, so splitting needs no trial.
What happens to my YNAB access if I leave a shared group?
YNAB's Together terms (last updated December 11, 2024) say that if you leave, or the Group Manager removes you, your subscription moves to a 34-day trial. You then need your own subscription or your access ends. Budgets you own stay with your account but become unshared. Budgets that were shared with you stop being shared, and bank accounts you added to them become unlinked.
Can the YNAB Group Manager see and edit my budgets?
The Together terms say yes. Members choose whether to share their budgets with other members, but all budgets are always shared with the Group Manager. The terms add that the manager can see the budgets you own or have access to, plus your first name and email address, and may edit those budgets.
Can EvenOut send its balances into YNAB?
No. EvenOut has no bank linking and no data export, and its Settle up screen only records a payment without moving money. When you settle up in EvenOut, you enter the same payment in YNAB yourself, the way YNAB's guide describes for any bill-splitting app.
Do the people I split with need an EvenOut account?
Not at first. In a group you can add a guest by name and track their share right away. Only the guest's creator can make the claim link, it works once and lasts 7 days, and a new link replaces the old one. When the guest claims their spot, their shares move into their real account.
Sources
Checked October 6, 2026.
- YNAB: Pricing
- YNAB: YNAB Together supplemental terms
- YNAB help: Splitwise and YNAB, a guide
Keep reading
- Comparison Budget app or expense splitter for couples in 2027 A budget app tracks where money goes. A splitter tracks who owes whom. Prices and sharing rules for EvenOut, Honeydue, Monarch and YNAB as of October 2026.
- Comparison EvenOut vs Monarch Money for couples EvenOut splits shared costs for free and shows your partner only the expenses you share. Monarch Money is a budgeting app: Core is $99.99 a year (October 2026).
- Comparison EvenOut vs Honeydue for couples sharing costs EvenOut splits shared costs with five methods, no ads and no daily expense limit. Honeydue connects to a couple's bank accounts. Compared as of October 2026.
- Comparison Best expense splitting apps for couples in 2027 Seven apps for couples compared on daily caps, ads, repeating rent and partner accounts. EvenOut's free plan has no daily limit and no ads. As of October 2026.
- Comparison Best apps to split bills with roommates in 2027 Nine ways to split rent and bills with roommates, compared on free-plan limits, ads, repeating rent and roommates who have not signed up. As of October 2026.
- Guide How to track shared subscriptions and renewals Track who is billed, how many seats are used, each share and the renewal date, then set repeating bills in EvenOut so shared plans add themselves.