Who paid, who owes what. In one line.
Split expenses with your flat-share, your partner or your trip. Who paid, who owes what, how to settle up — and joining costs nothing.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Status on September 4, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example — a flat-share of three and a couple — and every amount on this page comes from it, none from real people. The private beta opens on October 1: join the waiting list.
The flat-share is not the couple, and neither is the trip.
Each group gets its own space, with its own expenses, members and tally. The worked example holds two: Coloc du Plateau, three people, and Jules & Sam, a couple — and neither sees the other.
A space lives beside your accounts, not inside them.
The app says it under the list: a shared space lives apart. Its expenses do not blend into your personal accounts — they only appear there tagged with the space, so your budget stays whole and the group’s tally stays clean.
- Four tabs of its own: Spaces, Tally, Expenses, Settle
- Create a space, or join one with a code — nothing else needed
- Sharing a space shares the tally — never your balances
Your spaces
worked exampleFlat-share · 3 members
you are owed $85Couple · 2 members
you owe $89A shared space lives apart: its expenses never blend into your personal accounts — they only appear there, tagged with the space.
decompte | Your position in each space, in one sentence everyone reads the same way.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
“You are owed”, “you owe”, “square”.
Your position in a space is a sentence, and it is the same sentence for everyone in it. No one keeps a rival spreadsheet, because there is nothing to disagree about.
Every expense
Who put the money downAn expense enters once — amount, who paid, how it splits — and the tally updates for everyone at the same time. Someone not on Yoseri still appears in it, under their name.
Its own currency
A trip counts in the money you spentEach space keeps the currency it was opened in: a week abroad is settled in the currency you actually spent, not converted line by line into approximations.
Settling up
One transfer, recordedThe Settle tab reduces the space to the fewest transfers that close it. Yoseri moves no money — it records that Sam paid you back, and the sentence changes for everyone.
- Costs them nothing: no paid plan is needed to sit in your space, see the tally or settle up.An invitation is an invitation, not a sale.
- Works even without them: someone who is not on Yoseri still appears in the tally, under their name.
- When it ends, the space is closed, not erased: a settlement history is a record, not a setting.
- A joint account. Yoseri moves no money at all: it counts, it does not pay.
- A window onto your accounts. Sharing a space shares the tally, never your balances.
- A couple’s shared budget with income keys and common pots — that is Yoseri Duo, one level deeper.
What groups ask us before inviting anyone.
The answers carry figures, and the limits are stated alongside the capabilities.
Do my flatmates see my bank accounts?
Never. A space shares the expenses put into it and the tally that follows — your balances, your budget and your other spaces are invisible to every member.
Does everyone need a paid plan?
No. Being in a space, seeing the tally and settling up cost nothing, and the free plan is not a trimmed-down version. An invitation is an invitation, not a sale.
What if someone refuses to install anything?
The space still works. A person who is not on Yoseri appears in the tally under their name; whoever enters the expenses keeps the record, and the arithmetic stays the same for everyone.
How is this different from Yoseri Duo?
Share is a tally between people — who paid, who owes. Duo is a household: each partner keeps a full Yoseri of their own, and on top you share an income-proportional key, common expenses and pots. The Duo page walks through it.
Keep looking around
Two full accounts, one household: a 62/38 key proportional to income — never an imposed fifty-fifty.
See Duo Yoseri ProInvoices with taxes computed, cash flow that says what is really yours, provisions on official rates.
See Pro BudgetYour personal side stays whole: envelopes, calendar, and what is left this month worked out for real.
See the budgetThe tally your group stops arguing about.
Create a space, share the code, and from the first expense everyone reads the same sentence. Someone around you keeps this in a notes app — send them this page.
Joining costs nothing. Your balances stay yours. Yoseri moves no money.