Published on August 27th, 2020 | by Sunit Nandi


The Best Apps To Keep Your Student House Costs Down

Living with your friends at university can be a ton of fun.

But with the fresher’s week parties, the countless nights out, the books and all the dissertation wire bound printing costs, money tends to come and go throughout the year, meaning you’ll often have to rely on either your student loan, overdraft or Bank Of Dad to help bail you out.

To prevent this from happening to you, keeping an eye on your outgoing transactions is key, and so is doing everything possible to keep your student house bills as low as possible.

Fortunately, thanks to the rise of technology over the years, a number of apps are now available to help you do exactly that, making it much easier for you to pinpoint where you may be overspending, split bills between you and your housemates, and advise you on what to do next.

So, what are these apps, I hear you ask? Well, that’s what we’re here to discuss today.

Join us as we take a detailed look at the best apps on the market to help keep your student house bills as low as possible.


If you’re looking for a foolproof way of monitoring all your accounts at the same time, then Emma could be the ideal app for you.

This app connects with all your existing online banking accounts, syncing all the balances and transaction histories into one central location. This then offers a detailed overview of your recent spending behaviour, clarifying the amount of money you’ve got left across all your accounts and credit cards.

In terms of saving on student house bills, whether you have one person who’s responsible for the payments or multiple people, thanks to Emma’s easy to use interface, you can sync only the bank accounts that are relevant to you. That way, you’ll get a much better idea of how much you’ve been spending each month and be able to work out costs accordingly.


Nobody likes the hassle of having to ask somebody for that £2.59 they borrowed for a coffee the other day or feeling like they’re overpaying for a meal between friends when they only had a salad.

Thanks to Splitwise, those days are now a thing of the past. This app takes all the hassle out of asking people to chip in or calculate who owes what.

Using the app, simply create a group or an event and then everyone will be able to see exactly how much they owe and who they still need to pay. As a result, this will make it much easier for the billpayer to identify who thinks they can get away without paying the monthly energy bill.


Monzo has been around for a few years now and has grown ever more popular as time’s gone on.

Not only does this app work as a bank where you can have your very own current account, but it also has a few nifty features which make it easy to see if you’re spending too much on your house bills and split the costs fairly when it comes to paying them off.

If all your flatmates get a Monzo account themselves, transferring money becomes an absolute doddle. You can simply work out how much they each owe and send them a payment request through the app itself. They then click ‘accept’ and the money moves across as quickly as that.

Plus, Monzo, enables you to allocate which transactions need to be split between people. Say, for instance, you use your Monzo account as your general current account. When it comes to doing the joint supermarket shop, you can then pay for it all on one card and allocate out the transaction once all the shopping has been put away.

Final Thoughts…

Being in charge of your student house bills may sound like a lot of hassle, but it doesn’t have to be. Done in the right way, you could actually enjoy it and learn a helpful lesson for post-university life.

By utilising the apps we’ve listed above, you will not only make your life twenty times easier by avoiding awkward conversations over who owes what, but you could also save yourself a lot of money as a result. All the more towards to beer fund, am I right?

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I'm the leader of Techno FAQ. Also an engineering college student with immense interest in science and technology. Other interests include literature, coin collecting, gardening and photography. Always wish to live life like there's no tomorrow.

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