> ## Documentation Index
> Fetch the complete documentation index at: https://help.kouchd.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How Kouchd compares to Splitwise & Flatastic

> How Kouchd keeps shared living simple, keeps money private between host and guest, and never touches your money.

When friends, family, or guests share a home, coordinating daily life works best with clear expectations and mutual respect. While apps like Splitwise focus on splitting dinner bills or vacation expenses, and Flatastic focuses on student apartment chores, Kouchd was designed specifically for **sharing a home**.

Here is how Kouchd keeps things simple, calm, and private.

> [!NOTE]
>
> **Kouchd never holds or touches your money.** When money changes hands, you use whatever payment app or cash works best for both of you (like Zelle, Venmo, Cash App, or PayPal). The Ledger simply keeps a clear record of what you agreed on and what was recorded, so there are never any awkward misunderstandings.

## 1. We never touch your money

Many expense apps try to act like a bank, holding balances in digital wallets or nudging you toward their own payment systems.

Kouchd believes personal household finances are best kept directly between the people involved:

* **No middleman:** Kouchd does not hold balances, issue debit cards, or take a fee from your contributions.
* **Direct between you two:** Send money however you both prefer, whenever you normally do.
* **A shared record, not a collection agency:** When you record a contribution in the **Ledger**, both host and guest see the same record of what was reported and whether it has been confirmed. A record doesn't move money or prove a payment cleared. Houseguests are friends and family, not debtors.

## 2. Money details stay between you and your host

Group expense apps are built around a shared group balance, so members usually see each other's expenses. In a home with multiple guests or housemates on different schedules, that lack of privacy gets uncomfortable fast.

* **Private between guest and host:** In Kouchd, financial agreements and records are private between each guest and the host.
* **No awkward comparisons:** Guest A only sees their own agreement and records. They never see what Guest B agreed to or contributed.
* **Shared house details stay shared:** The household basics—like quiet hours, house rules, and trash days—are open and visible to everyone staying in the home. Door codes and the Wi-Fi password appear for a guest once their agreement is accepted and are hidden again after the stay ends.

## 3. No entry limits and no ads

* **Add as much as you need:** On Kouchd Free, you can record as many contributions and shopping items as you want.
* **Calm and ad-free:** Kouchd shows no ads or sponsored popups. For how we use analytics and optional advertising measurement, see [Privacy, data, and security](https://help.kouchd.com/help/legal-trust/privacy-and-security.md).

## 4. Everything for the house in one place

Flatastic organizes chores, and Splitwise tracks shared bills, but neither helps you manage the whole stay together.

Kouchd brings the whole household into one simple space:

1. **Clear stay agreements:** Simple dates and agreed contribution amounts so everyone starts on the same page.
2. **Private Ledger:** Choose **Add contribution** to record what you shared, then look back over previous weeks' contribution records.
3. **House guide:** Wi-Fi passwords, parking guidelines, trash schedules, and contact info right where guests can find them.
4. **Shared shopping list:** A shared list for paper towels, coffee, or milk. Shopping items are notes only; they don't change a balance. In the web app, you can start a contribution from a checked-off shared item and enter the amount yourself.

## How they compare

| What Kouchd offers | Details |
| :- | :- |
| **Best for** | Sharing a home with guests or housemates |
| **Private money details** | Each guest sees only their own agreement and records |
| **Entry limits** | None on Free or Plus |
| **Ads** | None |
| **Stay agreements** | Clear dates and agreed contribution amounts |
| **House guide & rules** | Wi-Fi, quiet hours, trash days, and other house details |
| **Shared shopping list** | Yes |
| **Handles your money** | Never. Payments happen directly between you. |
| **Guest cost** | Always free |

Splitwise and Flatastic change their features and plans over time, so check their own sites for current details.

## Choosing the right plan

* **Kouchd Free:** Great for hosting one stay and one guest at a time. Includes unlimited contributions, the private Ledger, shared shopping lists, house notes, and private guest agreements.
* **Kouchd Plus:** Made for hosts with more than one stay or guest. Adds more active stays and guest spots, plus exports.

For all the details on plans and pricing, take a look at our guide to [Plans and your Plus subscription](https://help.kouchd.com/help/support/plans-and-subscription.md).


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