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Finance & Accounting
NextCloud Cospend
NextCloud Cospend logo
Finance & Accounting

NextCloud Cospend

NextCloud Cospend is a collaborative expense management application designed for groups, households, and small organizations to track shared expenses and simplify bill splitting. It operates as a self-hosted, open-source solution within the NextCloud ecosystem, providing a privacy-focused alternative to cloud-based expense tracking services. Users create shared projects where multiple participants can log expenses, categorize them, and track who owes whom. The tool automatically calculates balances and suggests optimal settlement plans to minimize transactions. It's particularly useful for roommates sharing household costs, friends organizing trips, small teams managing project budgets, or families tracking shared expenses. Unlike commercial services, Cospend stores all financial data on the user's own NextCloud instance, ensuring complete data ownership and privacy. The application supports multiple currencies, custom categories, and provides visual representations of balances through charts and graphs. Its integration with NextCloud means it benefits from the platform's existing user management, file storage, and mobile access capabilities.

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📊 At a Glance

Pricing
Freemium
Reviews
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Traffic
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Engagement
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Categories
Finance & Accounting
Finance & Accounting

Key Features

Multi-Participant Expense Tracking

Allows unlimited participants to join expense projects, with each participant able to add expenses, view balances, and track who paid for what. Supports both NextCloud users and external participants without accounts.

Automatic Settlement Suggestions

Calculates optimal payment plans to settle debts between participants with minimal transactions. The algorithm finds the most efficient way to clear all balances.

Recurring Bills Template

Create templates for regular expenses like rent, utilities, or subscriptions that automatically generate bills at specified intervals (weekly, monthly, etc.).

Multi-Currency Support

Supports expenses in different currencies within the same project, with automatic conversion based on customizable exchange rates.

Visual Statistics and Charts

Provides graphical representations of spending patterns, category distributions, and participant contributions through interactive charts and summary dashboards.

NextCloud Integration

Deeply integrated with NextCloud's user management, file storage, and sharing systems, allowing seamless collaboration within existing NextCloud workflows.

Pricing

Self-Hosted

$0 (application is free)
  • ✓Full access to all Cospend features
  • ✓Unlimited projects and participants
  • ✓Complete data ownership and privacy
  • ✓No usage limits or restrictions
  • ✓Regular updates through NextCloud app store

NextCloud Hosting Provider

Varies by provider (typically $3-$15/user/month)
  • ✓Managed NextCloud hosting with Cospend pre-installed or available
  • ✓Technical support from hosting provider
  • ✓Server maintenance and updates handled
  • ✓Backup and security management
  • ✓Same Cospend features as self-hosted version

Use Cases

1

Roommate Household Expense Management

Roommates use Cospend to track shared household expenses like rent, utilities, groceries, and internet bills. Each roommate adds expenses they pay for, and the tool automatically calculates who owes whom. The recurring bills feature handles regular monthly expenses, while the settlement suggestions minimize bank transfers between roommates. This eliminates arguments about money and ensures fair sharing without complex spreadsheets.

2

Group Travel and Vacation Planning

Friends or families organizing trips use Cospend to track travel expenses including accommodations, transportation, meals, and activities. With multi-currency support, they can record expenses in local currencies during international travel. The visual statistics help identify major cost categories, while the settlement feature ensures everyone pays their fair share at the trip's conclusion without manual calculations.

3

Small Team Project Budget Tracking

Small business teams, freelancer collectives, or community groups use Cospend to manage project budgets and expense reimbursement. Team members log project-related purchases, and managers can monitor spending against budgets. The categorization feature helps with accounting, and export functionality simplifies financial reporting and tax preparation for business expenses.

4

Family Shared Expense Coordination

Extended families or couples use Cospend to manage shared financial responsibilities like mortgage payments, childcare costs, or family subscriptions. The tool provides transparency about who contributes what, especially useful when family members have different income levels or financial arrangements. Recurring bills ensure regular expenses are never forgotten.

5

Club or Organization Treasury Management

Hobby clubs, sports teams, or community organizations use Cospend to track membership fees, event costs, and equipment purchases. Treasurers can manage collective funds with multiple participants contributing and spending. The tool provides audit trails for transparent financial management and simplifies annual financial reporting to members.

How to Use

  1. Step 1: Install the Cospend app from the NextCloud App Store within your NextCloud instance administration panel. Ensure you have administrator privileges on your NextCloud server.
  2. Step 2: Navigate to the Cospend app from your NextCloud dashboard and create a new project. Give it a descriptive name like 'Apartment Expenses' or 'Trip to Spain' and set the default currency.
  3. Step 3: Add participants to your project by selecting existing NextCloud users or creating external members with just names. You can assign different colors to participants for visual distinction.
  4. Step 4: Start adding expenses by clicking 'Add a bill'. Enter the amount, select the payer from project participants, specify which participants share the cost, add a category, and include optional details like date and description.
  5. Step 5: View the project statistics dashboard to see visual summaries of expenses by category, participant spending, and current balances. The 'Settlement' tab shows who owes whom and suggests optimal payment plans.
  6. Step 6: Use the recurring bills feature for regular expenses like rent or utilities by setting up templates that automatically create bills at specified intervals.
  7. Step 7: Export project data for external analysis or record-keeping using available export options in CSV or other formats.
  8. Step 8: Share project access with other NextCloud users for collaborative expense tracking or generate share links for external participants who don't have NextCloud accounts.

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At a Glance

Pricing Model
Freemium
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