Early Access — UK Only

One app for your messy shared bills

My girlfriend and I pay the mortgage together, but she covers wifi and I cover groceries — Ember works out who owes what so we're not doing it on a spreadsheet every month.

🔥 You're on the list — we'll be in touch soon!

Invite-only · Free · No spam · UK only

I built Ember because our Google Sheet for splitting bills got embarrassing fast — mortgage by percentage, one of us paying wifi, the other covering groceries, and neither of us sure who owed what at the end of the month. We use it every month now and it takes about two minutes. — Nico, founder

Five themes · Fire · Water · Nature · Earth · Floral

What makes it different

Built for how you actually live

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Bill Splitting That Actually Works

Set your share on every transaction — 100%, 75%, 50%, 25%. Your totals always show your money, not the household total. Finally.

Core feature

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Spending Money Tracker

Star your essential bills. Set a budget for everything else. See exactly what's left for the fun stuff — in real time.

Budgeting

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Savings Projections

Set savings goals with regular contributions, AER and compound interest. A slider takes you from 1 month to 20 years instantly.

Savings

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Take-Home Pay Calculator

2025/26 UK tax rates. Salary sacrifice pension, all student loan plans, Scottish rates. Know your real take-home before you commit to anything.

Income

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Lloyds CSV Import

Export from Lloyds, import into Ember. Auto-categorises your transactions. Takes about 2 minutes a month — less faff than you'd think.

Import

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5 Themes, Dark & Light

Fire, Water, Nature, Earth, Floral. Dark and light mode on each. It looks good and that actually matters — you'll open it more.

Design

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Get Early Access

Ember is invite-only right now. Drop your email and you'll be first to know when a spot opens up.

No spam. No selling your data. Just an email when you're in.

One app for your messy shared bills

Built for how you actually live

Every detail, considered

Get Early Access