About Divy It Up
Divy It Up began with a simple observation: groups who live together need a real system for resolving shared expenses, not just another place to record them.
Our Story
From a late-night dorm room revelation to serving thousands of groups worldwide
The Problem
Groups living together often find themselves repeatedly trying to determine who owes what over time and when it is actually supposed to be paid back.
Even highly organized groups can struggle with managing shared expenses. Even groups that manage busy schedules efficiently can face friction around financial tracking. Yet the real problem is not recording the charges. It is getting everyone to settle consistently without awkward reminders.
The Daily Struggle
It is common for group members to lose track of who covered specific purchases.
Many expense sharing tools require creating a new entry for every transaction and manually selecting participants each time. For larger groups sharing recurring costs, this process quickly becomes inefficient and still leaves the final payment step unresolved.
The Breakthrough Moment
💡 The realization that changed everything:
Shared living is fundamentally different from one time event splitting. Ongoing living expenses are continuous, recurring, interconnected, and need structure around settlement.
What if the app did not stop at tracking and instead guided the group all the way through payment?
Building the Solution
This insight led to the creation of a solution built specifically for ongoing shared living. The concept evolved into a broader platform designed to help many kinds of groups move from recorded expense to completed settlement.
"Can you make one for our suite?"
"Our fraternity needs this for funding weekend activities."
"We need this for the group of us that went to Albany last weekend."
Divy It Up Today
After extensive development and user feedback, Divy It Up was formally launched: groups do not just need expense tracking. They need structured resolution..
Our Unique "Settle Up!" System
Track expenses as they happen, close a settlement cycle, and pay everyone back when it makes sense for the group.
Thousands
of groups served
Roommates
Greek organizations
Communities
living together
The experience reinforced the importance of designing tools around real world financial behavior.
— The Divy It Up Founding Team
Our Mission
To build a resolution system for shared money that works the way groups actually live: together, ongoing, and accountable to one another.
We learned firsthand that existing apps were built for splitting dinners and vacations, not for the daily reality of shared living. Whether you're ten college roommates sharing everything or a fraternity managing complex house expenses, you need ongoing tracking with clear settlement expectations, native payments, and flexible settlement instead of constant micro-payments.
Our mission is to simplify shared expense resolution so groups can focus on living and collaborating effectively.
Our Values
Ongoing-First Design
Unlike single-event apps, we design for continuous group living. Track recurring expenses, close cycles deliberately, and settle on your schedule instead of after every transaction.
Resolution Over Recordkeeping
We believe the product should not stop once a balance is calculated. Divy is built to help groups complete settlement, not merely document debt.
Group Living Focus
Built specifically for roommates, fraternities, sororities, and any group sharing ongoing expenses like rent, utilities, and household costs.
Flexible Settlement
Settle monthly, quarterly, at semester close, or whenever it makes sense for your group. The timing is intentional, not improvised.
Our Team
Divy It Up was founded to address the ongoing challenges of managing and resolving shared expenses.
What started as a dorm room solution for ten college roommates has grown into the platform thousands of groups use to manage their shared living expenses with more structure and less friction.
Cole Daniels
Co-Founder
Built by founders who experienced firsthand how hard it is to turn shared balances into actual repayment.
Luke Roberts
Co-Founder
The initial prototype was developed to solve recurring shared expense challenges all the way through settlement.
Supported by a team with direct experience in managing shared living arrangements and the social complexity around repayment.
Ready to Experience the Difference?
Join thousands of groups who've discovered what we learned in that dorm room: shared money needs structure, visibility, and a real path to settlement.
Start Your Story