Vyact · Money owed

Know who owes you, and how much

Quick answer

When you pay for something shared — a dinner, a trip, a bill — record who owes you their part. Vyact keeps a running total per person of what you’re owed and what you owe, lets you mark a share paid or settle everything at once, and counts only your own share in your budget. It’s free to start.

Set up your household — free →

How it works

Split as you log. Paid the whole bill? Add who shared it and how much each person owes.

One total per person. See what each person owes you and what you owe them, netted into one figure.

Settle in a tap. Mark one share paid, or settle everything with a person at once.

Share it with them. Send a split by email; once they join, they see their share and can mark it settled themselves.

Your budget stays honest. Only your own share counts toward your spending and categories.

Good habits for money owed

Record it the same day, while the amounts are fresh and before anyone forgets.

Settle up regularly — after a trip, or once a month — so small amounts don’t pile up into awkward ones.

Keep it visible to both sides, so nobody has to remember or ask twice.

Questions

How do I keep track of money people owe me?

Record the shared cost when you pay it, note each person’s share, and keep a running total per person. Vyact does this for you, and you can mark shares paid or settle up when the money comes back.

Can the other person see what they owe?

Yes. Share the split by email; once they join, they see their share and can mark it settled.

Does money I’m owed count as my spending?

No — only your own share counts toward your budget and categories.

Is Vyact free?

Yes — Vyact is free to start.

Know who owes you, and how much

How it works

Good habits for money owed

Questions

Read next