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Guides to personal and household finances

Short, practical guides to sort out your household money, alone or shared, with worked examples.

Free calculators

• Split bill calculator: who owes whomFree calculator to split expenses between friends: enter what each one paid and it tells you who owes whom, with the fewest transfers.
• Split expenses by income calculatorFree calculator to split household costs by what each person earns: how much each one puts in, as a percentage and as money.
• Installments or cash? CalculatorFree calculator to know whether paying in installments or cash is cheaper given inflation: what the installments are worth today and the real rate.
• Compound interest calculatorFree compound interest calculator: how your money grows with a starting amount, monthly contributions and an annual rate, year by year.

Guides

• Couples finances: how to organize money between twoHow to manage money as a couple: which costs to share, how to split them (half, a percentage or by income) and who owes whom.
• Shared expenses app: home, roommates and tripsHow to track shared expenses with your partner, roommates or on a trip: who paid, how to split and how to settle up without spreadsheets.
• How to track expenses in more than one currencyHow to track expenses and savings in several currencies without mixing them: separate balances and exchanges at the real rate.
• How to split household expenses by incomeHow to split household costs by income: the formula, a worked example and how to make it automatic, even across currencies.
• Splitwise alternatives (2026): 6 bill-splitting apps comparedThe best Splitwise alternatives with no daily expense cap: Busimy, Tricount, Settle Up, Splid, Spliit and a spreadsheet, compared in one table.
• Household budget: how to make one step by stepHow to make a household budget you actually keep: income, fixed and variable costs, how much to save, and how to follow it month by month, with an example.
• Roommates expenses: how to split rent, utilities and groceriesHow to split costs in a shared flat: rent by room size, utilities, groceries and household items, and how to settle up without fights.
• Credit card installments: how much you pay each month and until whenHow to keep track of credit card purchases in installments: what you pay this month and next, when each one ends and how much money is committed.
• How to track your expenses: a simple method that sticksHow to start tracking your expenses and not give up after a week: what to record, how to categorize, how often to look, and which expense tracker app to use.
• How to split travel expenses with friendsHow to split the costs of a group trip: who pays what, expenses in another currency, costs only some share, and settling up at the end with few transfers.
• How to keep track of your investments: shares, crypto, deposits and moreHow to follow all your investments in one place: what you put in, what they are worth today and what they returned, in any currency.
• How to track your Mercado Pago spending automaticallyHow to keep track of your Mercado Pago spending without typing it in: connect the account, let payments arrive with a category and review them in batches.
• How to split the costs of a barbecue, a birthday or an eventHow to split the costs of a barbecue, a get-together or a birthday among friends: who bought what, who skips something, and settling with few transfers.
• Small daily expenses: what they are and how to spot themWhat small recurring expenses (the "latte factor") are, examples and how much they add up to in a year, and how to find and cut them without giving up treats.
• Emergency fund: how much to save and where to keep itWhat an emergency fund is, how many months of expenses to keep, how to build it bit by bit and where to keep it so it holds its value.
• The 50/30/20 rule: how to split your incomeWhat the 50/30/20 budgeting rule is (needs, wants and savings), an example with numbers and how to adapt it when rent takes more than half.
• The best bill-splitting apps (2026 comparison)Bill-splitting apps for friends, couples and roommates compared: Splitwise, Tricount, Settle Up, Splid and Busimy, with price and what each one is for.
• Expense tracker apps: an honest comparisonExpense tracker apps compared: Money Manager, Monefy, Wallet, Spendee, YNAB and Busimy. What each does, what it costs and who it suits.
• A finance app for couples: what to look forWhat a couples finance app needs (shared and personal money, splitting by income, several currencies) and the options available.
• Joint or separate accounts? How couples organize moneyJoint account, separate accounts or a mixed system: pros, cons and how to choose what works best for your relationship.
• Free household budget template (for Excel and Google Sheets)Download a free household budget template for Excel or Google Sheets, with the usual household categories and how to fill it in step by step.
• Saving in a stronger currency: how to do it and keep trackHow to save in dollars or euros when your own currency loses value: ways to buy, risks, and how to track savings without mixing currencies.
• How to save money every month: a step-by-step methodHow to save money every month even when income is tight: put savings aside on payday, cut small daily expenses, and an example with numbers.
• How to save as a couple and share goalsHow to save as a couple: agree on goals, how much each puts in (half or by income), where to keep it and how to follow progress together.
• Fixed and variable household expenses: a complete listWhat fixed and variable household expenses are, a complete list with examples, and why separating them helps you budget and save.
• Which exchange rate to use for your expenses and savingsWhich exchange rate to use when you spend or save in more than one currency: the one you paid, the card rate or a market rate, depending on the case.