Rent and utilities on a cycle
Set a monthly cycle aligned with rent day. Add rent, electric, internet, and water as they happen. On cycle close, each roommate owes exactly one amount — paid in one tap.
Roommates
A roommate expense system, not another group chat.
Rent, utilities, groceries, the cleaner, the internet bill. Divy It Up turns every recurring roommate expense into a monthly cycle that actually closes — so nobody has to ask nicely for the third time.
Splitwise keeps score. Divy It Up resolves the score.
- Monthly settlement cycles
- Optional shared house wallet
- In-app payments, no hopping apps
For roommates
Built for the way people actually share a home
Roommate finance is not one payment — it is thirty small things a month. Divy is designed for the real, recurring case.
Groceries and shared supplies
Log a grocery run, a paper-towel restock, or a Costco trip in seconds. Divy handles whether to split evenly, by share, or by who actually used it.
A house wallet for the shared stuff
Optionally pool a small amount each month into a collective house wallet for recurring costs — cleaner, streaming, subscriptions — so nobody has to front every purchase.
No more awkward reminders
Cycles have real due dates. Divy handles the nudges. Roommates stop asking each other when the money is coming and the group chat goes back to being a group chat.
Transparency on shared funds
For the house wallet, every roommate can see who contributed, what was spent, and what remains — the same Group Financial Transparency Divy runs across every group.
Move-in and move-out made clean
When someone moves in or out mid-cycle, Divy pro-rates their share so you do not have to rebuild the spreadsheet from scratch.
The quiet problem with roommate money
Roommate conflict almost never starts with a big fight. It starts with the drip: a forgotten Venmo request, a utility bill one person covered and mentally filed away, a grocery run that never got logged. Over a year, those drips add up to real money — and to a real loss of trust.
A settlement cycle fixes the drip. Because the group agrees on a close date up front, every roommate knows when they will pay, for what, and how much. The reminders disappear because the deadline is the reminder.
FAQ
Roommate questions, answered
Do all of my roommates have to download Divy?
Yes, for settlement to happen inside the app everyone needs a Divy account. Creating an account is free, and invited roommates can join your group in a couple of taps.
What if one roommate always pays late?
Cycles turn late payment from a personality problem into a visible pattern. Divy surfaces who has paid and who has not, on-time payments are tracked, and reminders come from the system — not from the roommate who is tired of asking.
Can we split rent unevenly?
Yes. Roommates can own different percentage shares of rent and utilities. Bigger bedroom pays more, shared spaces split evenly — whatever you actually agreed to.
Is Divy It Up safe for my money?
Divy It Up is a financial technology platform, not a bank. Wallet funds are held at a partner bank in pooled FBO accounts for the benefit of program participants and are used solely to facilitate transactions and related account services.
Is this better than Splitwise for roommates?
Splitwise tracks what you owe. Divy closes the loop — it nets the balances, sets a due date, and lets roommates actually pay inside the app. For a one-off split, Splitwise is fine. For recurring roommate finance, Divy is the complete system.
Close the loop on roommate money.
Set up a house, run a monthly cycle, and let Divy handle the rest.