What it does
I Hate Money records shared purchases, who paid and which people owe a share, then helps the group settle its bills. It runs in a browser, with a public service and free open-source software for your own server. Participants share access to a project rather than creating individual accounts.
For a flat share, record who paid for a common purchase and which people benefited from it. Those records give the settlement a basis beyond an informal message asking for money.
The hosted start page asks for a project name, a private code and an email address. Keep the project identifier and private code for returning to the ledger. You can share those details or use an invitation link. The email address provides a recovery route if the code is forgotten.
Agree on who can change the ledger
Anyone with the private code can alter participants and bills, change project settings or delete the project. Invitation links avoid revealing the code, but still provide broad access to the records. The ledger does not provide separate approval roles for each person's expenses.
Export project data from Settings before an important cleanup or settlement. The history can help you identify changes, but there is no automatic undo for edited or deleted bills. Changing the private code invalidates old invitation links, although the security guide warns that an existing signed-in session can retain access.
Running your own instance requires server administration and may incur hosting costs. The maintainers prioritize stability and the focused bill-ledger workflow over major new features.
Strengths
- Participants do not need individual user accounts.
- The code is available under a permissive BSD-derived licence for independent hosting.
Watch out for
- Shared access allows members to change or delete other people's bills.
- Edited and deleted bills have no automatic undo.
- Changing the private code does not immediately end existing sessions.
Best for
- Housemates or friends who trust each other to maintain shared bills
- Groups that want the option to host their own expense ledger
Sources
- I Hate Money shared ledger, self-hosting and maintenance scope (Oct 27, 2026)
- I Hate Money project creation and access form (Oct 27, 2026)
- I Hate Money shared permissions, recovery and export limits (Oct 27, 2026)
- I Hate Money REST API (Oct 27, 2026)
- I Hate Money BSD-derived licence text (Oct 27, 2026)
