Problem

• Sharing ongoing costs (Netflix, Spotify, utilities, rent add-ons) is a recurrent headache for millions who live with friends/partners/flat-mates.
• The usual flow is manual: one person’s card is charged, then Venmo/PayPal requests are sent every month; if someone forgets, the bill owner eats the cost.

Existing solutions / competitors

1. Splitwise (12M+ users, Freemium $3 / mo PRO)
   • Tracks recurring bills and sends reminders but does NOT automate collection or payouts.
   • Search keyword “splitwise” 49 500 vol, difficulty 27 – huge awareness.
   • Keyword “splitwise alternative” 1 300 vol, diff 10 – proves people actively look for something else.
2. TogetherPrice, ShareSub, Spliiit, Gamsgo, Sharingful
   • Focus on sharing streaming subscriptions, take 0-30 % fee on every seat sold.
   • Reddit and Trustpilot show thousands of reviews; TogetherPrice claims 1 M users (press release 2022). Paying customers exist.
3. Generic bill–split apps: SettleUp, Tricount, Splittr, Zently, Dwell. Again, none pull/ push the money automatically.
4. Banking apps (Revolut ‘Group Bills’, Monzo ‘Shared Tabs’) automate payments but only inside their own bank network.

Search-demand / key...