Latest news with #Splitwise
Time of India
18-07-2025
- Business
- Time of India
Rs 60 lakh income but splitting swiggy, grocery, fuel bills: Gurgaon couple's expense game is smart or strange, netizens debate
In an age where financial independence is being redefined within relationships, a viral LinkedIn post has brought a familiar yet contentious topic back into focus: should married couples manage money as a unit or operate separately? A post by Delhi entrepreneur Ayushmaan Kapoor about a high-earning Gurugram couple—who meticulously split all shared expenses despite being married—has sparked conversation online about trust, partnership, and what modern financial intimacy really looks like. Couple's Expense Splitting Habits Kapoor, founder of the relationship-focused startup The Date Crew, shared a LinkedIn postt after learning about a couple, each earning over Rs 30 lakh annually, who track and divide every shared cost—from rent and groceries to Swiggy orders—using apps like Splitwise and Google Sheets. He found it surprising that the couple, despite their financial stability, handled their marriage like a roommate arrangement. Explore courses from Top Institutes in Select a Course Category Product Management Cybersecurity Degree PGDM CXO Artificial Intelligence Digital Marketing Operations Management Design Thinking Others Data Analytics Management MCA Healthcare MBA Data Science Project Management Data Science Public Policy others Leadership Finance Skills you'll gain: Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Duration: 24 Weeks Indian School of Business Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Skills you'll gain: Creating Effective Product Roadmap User Research & Translating it to Product Design Key Metrics via Product Analytics Hand-On Projects Using Cutting Edge Tools Creating Effective Product Roadmap User Research & Translating it to Product Design Key Metrics via Product Analytics Hand-On Projects Using Cutting Edge Tools Duration: 12 Weeks Indian School of Business ISB Product Management Starts on May 14, 2024 Get Details Skills you'll gain: Creating Effective Product Roadmap User Research & Translating it to Product Design Key Metrics via Product Analytics Hand-On Projects Using Cutting Edge Tools Duration: 12 Weeks Indian School of Business ISB Product Management Starts on May 14, 2024 Get Details Skills you'll gain: Product Strategy & Competitive Advantage Tactics Product Development Processes & Market Orientations Product Analytics & Data-Driven Decision Making Agile Development, Design Thinking, & Product Leadership Duration: 40 Weeks IIM Kozhikode Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Skills you'll gain: Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Duration: 24 Weeks Indian School of Business Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Skills you'll gain: Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Duration: 24 Weeks Indian School of Business Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Skills you'll gain: Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Duration: 24 Weeks Indian School of Business Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Referring to the setup as 'baffling,' Kapoor questioned whether such a method undermines the idea of unity in a marriage. To him, this level of financial independence suggested a lack of alignment in vision and goals, which he believes are crucial to a healthy long-term partnership. Drawing parallels between marriage and a business venture, Kapoor argued that both require shared planning, joint investment, and clearly defined roles to function successfully. He outlined four key elements he believes form the backbone of a financially healthy relationship: a common vision, role clarity, pooled capital, and regular progress reviews. Kapoor stressed that building a life together means more than sharing a home—it involves collaborative planning, understanding each other's financial goals, and investing in them together. He urged couples to have honest conversations about money early in the relationship rather than after conflicts arise. Splitwise in Marriage? Reactions Pour In Kapoor's post triggered strong opinions online. Some supported his stance, suggesting that splitting every expense down the middle could indicate a lack of trust or long-term planning. Others, however, defended the practice, saying that using tools like Splitwise fosters transparency and reduces the stress around difficult money conversations. Several users pointed out that apps like Splitwise don't necessarily reflect emotional detachment but can serve as tools for budgeting and mutual accountability. 'We don't use it to keep score, we use it to better understand our spending habits,' one commenter shared. Some responses pushed back on Kapoor's startup analogy, arguing that it oversimplified the complexities of marriage. One user wrote that managing finances separately can still coexist with shared goals, calling it a modern approach to maintaining autonomy and respect in a partnership.
Indian Express
18-07-2025
- Business
- Indian Express
Gurgaon couple with Rs 60 LPA combined income splits every bill equally; Delhi matchmaking startup founder questions the logic
A Delhi-NCR based entrepreneur has stirred up debate online after questioning why a high-earning married couple continues to split all their bills down the middle. Ayushmaan Kapoor, founder of The Date Crew, recently shared a personal reflection on LinkedIn after learning about a Gurgaon-based couple, both professionals with annual incomes of over Rs 30 lakh, who reportedly divide every shared cost, from groceries to electricity bills, using Splitwise or Google Sheets. 'They make Rs 30L+ each. But still maintaining a Splitwise or Google Sheet to divide every single expense: rent, groceries, fuel, Swiggy, electricity,' Kapoor wrote, adding, 'Each person 'pays their share,' like flatmates.' For Kapoor, this level of meticulousness signaled something deeper than just budgeting. 'It's baffling to me,' he said, before explaining why he believes such financial habits point to a lack of alignment in the relationship. Drawing an analogy between marriage and running a startup, Kapoor said, 'When you marry someone, you're essentially co-founding a company. And that company… is your life together.' He argued that like any successful business, a marriage needs four key ingredients: a shared vision for the future, clear roles and responsibilities, a joint financial plan with pooled resources, and regular check-ins to ensure both partners stay on track. The crux of his message: couples should operate from a shared financial philosophy, not a spreadsheet of 50-50 transactions. However, not everyone saw things his way. Many commenters pushed back, defending the couple's approach as modern, transparent, and respectful of individual autonomy. 'Agreed, but don't you think having a system like Splitwise or sheets in place only adds more clarity and transparency?' one person commented on Kapoor's post. 'Let's be honest, it gets tough to have money discussions in general. Wouldn't this solve the problem entirely?' Others felt Kapoor's analogy between startups and relationships was oversimplified. One user wrote, 'Scary that someone running a matchmaking firm has such a shallow view of how relationships work. Recording expenses has nothing to do with having different goals and priorities… Even if you did pool your capital, recording what was spent is just financial prudence.' Another LinkedIN user responded saying, 'Tracking shared expenses doesn't mean you're not working towards common goals. It just means you're also respecting personal space and freedom. Everyone needs their own financial breathing room, even in a partnership. A couple can have both, a shared pool and their own individual funds. That's not division. That's balance.'
India Today
17-07-2025
- Business
- India Today
Gurugram couple earning Rs 60 LPA splits bills like 'flatmates', sparks debate
A now-viral LinkedIn post by the founder of a Delhi-based company has triggered a debate around how couples should manage their his post, Ayushmaan Kapoor, founder of The Date Crew, wrote about a Gurugram-based couple, each earning over Rs 30 lakh annually and working at reputed companies, yet meticulously splitting every shared expense - from rent and groceries to Swiggy orders - using tools like Splitwise or Google is a money-sharing app that helps people track and split expenses. It is commonly used by roommates, friends, or couples to settle shared costs easily. 'Each person 'pays their share' like flatmates,' Kapoor said. Calling this practice 'baffling,' Kapoor questioned the logic behind such financial independence in a marital setup.'When you marry someone, you're essentially co-founding a company. And that company is your life together,' Kapoor to Kapoor, financial unity is a core part of a successful relationship as he likened it to a startup requiring a shared vision, clearly defined roles, pooled capital, and regular reviews.'Marriage isn't just emotional support. It's financial alignment too,' he added, urging couples to rethink their financial the entire post here: The post, unsurprisingly, triggered a discussion in the comments section as several users defended the use of tracking apps like Splitwise in relationships, offering a range of perspectives.'Agreed, but don't you think having a system like Splitwise or Sheets in place adds more clarity and transparency? Let's be honest, money conversations are tough. Wouldn't this solve the problem entirely,' one user user elaborated on the emotional side of money management, saying, 'When couples earn together but don't invest together, I often ask: What are you really investing in? Is it independence or a quiet fear of dependency, disappointment, or future uncertainty?'Several others opined that tools such as Splitwise are not always used to split expenses 50/50 but to track spending patterns and make informed financial decisions as a team.'We use Splitwise to log our expenses and gain clarity on our monthly spend. It's about optimising and planning, not keeping score,' a user said. Another added, 'Splitwise shows mutual respect. It's not about burdening one partner; it's about sharing equally.''Honestly, conversations like these need to happen before marriage, not after. Too many couples enter lifelong partnerships without ever discussing their approach to money, only to realise later that they're fundamentally misaligned. It's not just about who earns how much. It's about how you think about money,' a user is your take on this?- Ends
NDTV
16-07-2025
- Business
- NDTV
Delhi Founder Baffled By Married Couple Splitting Bills Equally Like "Flatmates", Viral Post Sparks Debate
A founder based in Delhi NCR has sparked a discussion online on marital financial planning after expressing his confusion about a couple that splits all bills and expenses equally between themselves. Ayushmaan Kapoor, founder of relationship-focused venture The Date Crew, took to LinkedIn to share a reflection on modern-day marriages. In his post, he criticised an unnamed couple for splitting their household expenses down to the last rupee despite earning a combined annual income of over Rs 60 lakh. "A couple living in Gurgaon. Work at great companies. Make Rs 30L+ each. But still maintaining a Splitwise or Google Sheet to divide every single expense: rent, groceries, fuel, Swiggy, logged. All split. Each person 'pays their share' - like flatmates," Mr Kapoor wrote, adding that he was baffled by this arrangement. The founder then went on to explain how a marriage must have financial planning and common goals to succeed. "When you marry someone, you're essentially co-founding a company. And that company... is your life together. So imagine the chaos if both co-founders have different goals, different expenses and different priorities. Will that company EVER succeed?" he questioned. Mr Kapoor then laid out four critical elements he believes are necessary for a successful marriage. The first, a shared vision and goals for the year, which could include anything from taking a big holiday to hitting a key investment milestone. Secondly, the entrepreneur called for "clarity on roles". By this, he meant determining who manages finances, household chores, childcare or emotional labour. Third, Mr Kapoor spoke about "pooled capital and joint financial plan," that is merging resources to fund mutual goals. Lastly, he said that there should be "Regular reviews to track progress and stay aligned". Mr Kapoor argued that when couples begin to see their life as a joint entity, their money habits must change. "You plan together. You invest together. You understand each other's dreams - and figure out how to fund them, together," he wrote. "Marriage isn't just emotional support. It's financial alignment too. You're not just sharing a home. You're building a life. And in this era, you can't build a life without money. If you haven't had that conversation yet - do it this weekend. Plan it like a company strategy. Because this is the most important company you'll ever build," he added. The post has gone viral, sparking a discussion about marital financial planning. While some agreed with his opinion, others criticised him, saying that how a couple splits their bills is nobody else's business. "Agreed but don't you think having a system like splitwise or sheets in place only adds more clarity and transparency? Let's be honest, it gets tough to have money discussions in general. Wouldn't this olve the problem entirely?" wrote one user. "If it works for their marriage, what's the issue here? Honestly, posting about everyday scenarios (much of which are fictional) as long LinkedIn posts about "wisdom" is truly cringe inducing. Let's just stop please," commented another. "Splitting expenses in marriage is reasonable, as long as there's a clear joint plan around savings and investment goals," wrote a third user. However, some agreed with the entrepreneur. "Ridiculous ! Splitwise -> Split wisely to split permanently. That's where it'll lead to," one user commented. "Always baffles me when I hear married couples talking about rent sharing, expenses split, borrowing money from each other.... I understand the major money matters being accounted clearly in case of unfortunate a few thousands or few lacs do not matter if both are having a decent lack of trust and unnecessary individualism!" said another.
Yahoo
08-07-2025
- Business
- Yahoo
Gen Z and millennials are taking on debt to go on group trips. Experts offer tips for protecting your money
When Maggie Hansen and a group of 11 of her friends made the trip to San Diego for her bachelorette party last year, she and her maid of honor tried to be as transparent as possible about the costs the 12 attendees would incur. Some could be anticipated, like airfare and a wine tasting excursion, but there were also unpredictable expenses like Ubers, bar tabs, and more. While the financial costs of the getaway were inevitable, Hansen wanted to avoid adding emotional ones: In particular, the feelings of resentment, guilt, or disappointment that often arise with group trips. Since incomes and spending habits vary within a friend group, those feelings can multiply and fester. One friend may not drink alcohol or eat meat. That can easily cause problems if they are expected to split cocktail- and steak-heavy tabs with their friends who do. Another may make significantly less than others in the group but feel uncomfortable admitting to that fact. Hansen's dilemma will be familiar to plenty of 20- and 30-somethings who have attended increasingly expensive weekend trips with friends, destination weddings, or even concerts. Nearly 40% of Gen Z and millennials say they have a friend who drives them to overspend, according to data from Credit Karma, and while dining out and birthday celebrations often lead to profligate spending, weddings and bachelor and bachelorette parties are particular pain points. Some 56% of members of these generations feel they must attend these events even if it will put a financial strain on them, a separate Credit Karma survey finds. As a result, 38% say they have taken on debt. Hansen, 31, took pains to avoid these outcomes. She began by asking for her friends' preferences via Google survey before anything was booked, and planning around the budgets of friends who are educators as much as those who work in more lucrative careers like sales. The group also used apps like Splitwise and Tab to keep track of what everyone spent (with Splitwise, friends can split dinner tabs however they want, and tax and tip are automatically recalculated). That way, friends who weren't partaking in drinks at dinner weren't obligated to split the cost while not imbibing, and there was no awkward dance of who's-paying-this-time, especially as some of the attendees were just meeting for the first time on the trip. It allowed each person to keep to their own budget. For less well off friends, Hansen was able to use credit card points to help pay for their flights. Her maid of honor worked out payment plans with friends who wanted to attend but couldn't front the total cost at one time. Hansen acknowledges she was lucky to be able to do this and that it wasn't a financial strain on her maid of honor; it only works if everyone is honest about what they can take on. 'I tried to make it where it's no pressure,' she says. 'If you need assistance, this is my wedding, and I want you part of it. And I can opt into helping.' Before big events or weekend trips, discussing spending expectations upfront is a must, says Thomas P. Farley, a keynote speaker and etiquette expert also known as Mister Manners. 'There should be no surprises financially,' Farley says. 'While this may seem overly pragmatic, it can help avoid misunderstandings, hurt feelings and bruised credit cards after the fact.' If you are asking people to come on the trip, consider if there are any expenses you can fully cover, like an exclusive dinner or excursion, and make it known from the jump that you will be paying for it. That could help cut the tension: According to the Credit Karma survey, 48% of millennials and Gen Z respondents believe the bride or groom should cover at least some of the costs of a bachelor or bachelorette trip, like travel and lodging; 32% think the bride or groom should cover all of their costs. Also keep in mind that guests may need to take days off work to attend or miss out on other events in their life. Try to create a space where friends feel safe discussing their financial expectations; money can cause anxiety and other heightened emotions, and you want to be sure everyone is having a good time without worrying about the state of their bank account. 'Being open and honest about where you stand financially can help you and your friends better understand each other's relationship with money,' says Jack Howard, head of money wellness at Ally Financial. That said, the person planning the trip can only do so much. Farley says those with limited funds or different financial priorities need to 'be brave enough to opt out.' Relatedly, skip parts of the itinerary that don't fit into your budget as needed. Yes it might feel uncomfortable or awkward, but friends will understand your limitations. 'No friend should lose sleep over how they are going to climb out of the debt they incurred during a destination bachelorette party, ski weekend, or even an expensive dinner,' he says. 'If it's not within your budget, better to share that candidly.' Jamila Musayeva, a certified etiquette coach from the International Etiquette and Protocol Academy of London, says to approach the conversation around collective comfort, rather than singling out any one person in the group. That helps open the door to honest dialogue. 'The most graceful way to approach it is with clarity and kindness,' says Musyeva. 'You might say, 'I'd love to join, and I want to make sure we're all aligned on budget expectations before we book anything, should we set a spending range so everyone feels comfortable?'' If someone proposes an expensive activity you can't work into your budget, it's okay to push back, but tone is everything in these situations, she says. You want to be warm, casual, and proactive. 'A polite yet firm way to respond would be, 'That sounds amazing! It might be a bit outside my current budget, would anyone be open to a more low-key option?'' she says. 'You can also offer alternatives to show you're still enthusiastic about participating, just within your means.' In fact, if you are the friend with the limited budget, then you should aim to be involved in the planning process, says Zina Kumok, financial advisor and personal finance expert. That way you can have some control over the cost. 'It's not fair to have your friends plan everything and then for you to complain that you can't afford it, you have to get involved,' Kumok says. 'If you don't have time to plan, then you need to give your friends your total budget and ask if they can stick to that.' In situations where there are large discrepancies between who orders what at a restaurant, or when one friend is routinely stuck paying more than his or her fair share, Andrea Woroch, a personal finance and budgeting expert, says it's acceptable to request separate checks. This can help 'to avoid the awkward moment when you're trying to itemize the bill,' Woroch says. Just inform your server at the outset of the meal. Otherwise, have a discussion before your group goes out on how to split the bill. Regardless, ensure someone in the group either takes a photo of all of the receipts, or keeps the physical copies in one place. Erika Rasure, chief financial wellness advisor at Beyond Finance, a financial services company, suggests setting aside 15 minutes after you receive the invite to review your budget and see how much you can feasibly (or want to) spend. If you are worried that you will blow your budget in the moment—which can be easy to do in the midst of a good time with friends—she suggests loading your budget onto a prepaid debit card before the trip. 'That way you can swipe without worrying about going over or touching your credit card,' Rasure says. 'It's a really simple tool that helps keep you on track.' This story was originally featured on
