Home is where the split is.

The mortgage offsetRent & paymentsShared expenses & receiptsRoom agreements

You bought a home with a spare room in it. Roomeo runs the rent, the bills and the paperwork so nobody has to chase anyone, then shows you what no other rent app will: exactly how much of your mortgage your housemates just paid off.

Get RoomeoFree on the App Store.

Renters never pay. Neither do share houses.

Illustration of the Roomeo app on a phone: the owner’s home screen, showing this month’s rent for each housemate, the shared expenses, and a private equity card with the share of the mortgage the housemates covered.

9:41

14 Rose St

Good afternoon, JessOwner

Monday, 27 JulyYou live here

2 payments to approve

1 rent · 1 expense · housemates are waiting on your OK

Your equity · privateOnly you

$310,800

34% of your $915,000 home is yours

Your housemates covered 90% of the mortgage.

90%

$3,300 rent · $3,684 repayment · you added $384

See full offset

Rent · JulySee all

$3,300 of $3,300 in

Amara Osei

Room 2 · 1 to 31 Jul · $1,075

Paid

Dan Reyes

Room 3 · 1 to 31 Jul · $1,075

Paid

Tom Whitfield

Room 1 · 1 to 31 Jul · $1,150

Paid

Shared expensesSee all

Electricity

Split 4 ways · Due 12 Aug

$214.00

Internet

Split 4 ways · Settled

$89.00

Add & split an expense

Home

Rent

Expenses

Equity

You

9:41

Rent

14 Rose St

Awaiting your OK

Amara says they’ve paid $1,075.00.

August rent

“Transferred this arvo, a few days early.”

Decline

Approve

Rent · July$3,300 of $3,300 in

Amara Osei

Room 2 · 1 to 31 Jul · $1,075

Paid

Dan Reyes

Room 3 · 1 to 31 Jul · $1,075

Paid

Tom Whitfield

Room 1 · 1 to 31 Jul · $1,150

PaidLate · private

Upcoming

August

Amara Osei

Room 2 · 1 to 31 Aug · $1,075

Due 1 Aug

Dan Reyes

Room 3 · 1 to 31 Aug · $1,075

$537.50 of $1,075

Tom Whitfield

Room 1 · 1 to 31 Aug · $1,150

Due 1 Aug

Home

Rent

Expenses

Equity

You

Rent isn’t just rent any more.

Scroll

The mortgage offset

Their rent, measured against your loan.The share of this month’s repayment your housemates covered, and the year the loan ends because of it.Explore

Inside the app

The whole app, screen by screen.Rent, shared expenses, receipts and exports, one screen at a time.Explore

For the room you rent

A rental reference that writes itself.Free, permanently. What you owe, what you have paid, and a record you can take to the next place.Explore

Pricing

Renters never pay. Not a cent.Seven things are paid. Everything else is free, for everyone in the house.Explore

Why we built it

Getting in is hard. Staying in is harder.

Roomeo is an app for Australian homeowners who rent out a spare room. It runs the rent, the shared bills and the room agreement, and it shows you privately how much of your mortgage your housemates have paid off.

Across Australia more homeowners are renting out a spare room to keep up with the repayments. It works. The tools don’t: done by hand, the rent gets chased through a group chat, the bills get split from memory, and the whole arrangement rests on a handshake.

Roomeo gives you a rent list that shows who’s paid and who hasn’t, bills split to the cent with the receipt attached, and an agreement you both signed. Then it answers the question none of that does: is this getting me anywhere?

Every other tool picks a side. Landlord software assumes an investment property and a tenant you never see. Bill splitters assume everyone is equal and nobody is collecting rent. Roomeo is built for the house the owner lives in.

See what one spare room does to one loan

Handshake deals

Most spare-room arrangements are never written down. When something turns sour, neither side has anything to point at.

With RoomeoA room agreement you both sign on your phones, with a copy each.

Split from memory

Who paid what, when, for which bill. It lives in a chat thread until somebody quietly gives up on it.

With RoomeoEvery bill split to the cent, receipt attached, on every phone in the house.

No line of sight

You can see your loan balance. You can see the rent land in your account. Nothing joins the two together.

With RoomeoTheir rent set against your repayment, and the year the loan ends because of it.

The mortgage offsetPrivate · only you

Paid off 2056

Paid off in 2036 instead of 2056, on the same loan and the same repayment schedule. The rent does not replace your repayment: you keep paying the $3,684 and put the $3,300 of rent in on top, which is what takes twenty years off the end. Your loan figures are yours alone, and nobody else in the house can reach them.

With rentWithout

Now · $604,200 owingPaid off 20362056

Rent going in, monthly

$3,300

Years off the loan

Interest you never pay

$505,000

14 Rose St, Brunswick: the example household inside the app. $915,000 home, $604,200 owing at 6.1%, $3,684 monthly repayment, three rooms let for $3,300 a month, projected from July 2026. The comparison assumes you keep making the repayment in full and add the rent to it as an extra repayment, and that the rate holds. Real loans move. Projections are estimates, not financial advice.

Inside the app

Who’s paid. Who hasn’t. No awkward chat.

One line per housemate, per rent period. Paid reads sage, due reads terracotta, overdue reads louder. When someone says they’ve paid, it lands in Awaiting your OK. You approve, and the ledger and your equity both move, or you turn that confirmation off and marking as paid records it instantly.

The screen no other rent app will show you.

Your repayment, the share your housemates covered, and what you topped up. A payoff curve with rent against the same loan without it. Then an itemised ledger you can export as PDF and CSV, dated and complete, so you have the records if anyone ever asks for them.

Split anything. Keep the receipt.

Power, water, internet, gas, rates, or a box of dishwasher tablets. Split evenly, by percentage, or custom, with the receipt attached. Anyone can decline a charge that isn’t theirs. It stays visible to the house and counts toward nobody’s total.

Your housemates get clarity too.

One number, one due date, one tap to flag it paid. Every line itemised with its share and its receipt, and their own history to export whenever they want it. Roomeo is free for them, permanently, and there is no version of it they are being kept from.

A rental reference that writes itself.

Every payment, grouped by month, with who recorded it. Renters export the lot as a PDF or CSV and hand it to the next agent: a rental ledger showing months paid on time, which is the one document a boarder can never normally produce. It carries a code the agent can check on this site, without an account, so they can confirm it is genuine and unaltered.

Illustration of the Roomeo app on a phone, stepping through the rent list, the owner’s equity and payoff screen, the shared expenses, and a housemate’s own view of what they owe.

9:41

Rent

14 Rose St

Awaiting your OK

Amara says they’ve paid $1,075.00.

August rent

“Transferred this arvo, a few days early.”

Decline

Approve

Rent · July$3,300 of $3,300 in

Amara Osei

Room 2 · 1 to 31 Jul · $1,075

Paid

Dan Reyes

Room 3 · 1 to 31 Jul · $1,075

Paid

Tom Whitfield

Room 1 · 1 to 31 Jul · $1,150

PaidLate · private

Upcoming

August

Amara Osei

Room 2 · 1 to 31 Aug · $1,075

Due 1 Aug

Dan Reyes

Room 3 · 1 to 31 Aug · $1,075

$537.50 of $1,075

Tom Whitfield

Room 1 · 1 to 31 Aug · $1,150

Due 1 Aug

Home

Rent

Expenses

Equity

You

9:41

Equity

14 Rose St

Private

Repayment

$3,684

Covered

90%

Your share

$384

Loan balance$604,200

With rentWithout

NowPaid off 20362056

Edit loan details

Amara Osei · Room 2$1,075

Dan Reyes · Room 3$1,075

Tom Whitfield · Room 1$1,150

Rent collected$3,300

Mortgage repayment−$3,684

Your contribution$384

Export statement · PDF & CSV

Every month, itemised and dated.

Home

Rent

Expenses

Equity

You

9:41

Shared expenses

14 Rose St

Electricity

AGL · Due 12 Aug

$214.00

$53.50 each

Due 12 Aug1 to confirmSplit 4 ways

Internet

Superloop · Paid 6 Jul

$89.00

$22.25 each

Everyone paidSplit 4 ways

Dishwasher tablets

Woolworths · Declined

$34.00

$8.50 each

DeclinedSplit 4 ways

Add & split an expense

Home

Rent

Expenses

Equity

You

9:41

14 Rose St

Good afternoon, TomRenter

Due this month

$1,203.50

Everything you owe right now, itemised below.

Mark as paid

This month, itemised

Rent

1 to 31 Aug

Mark as paid

$1,150.00Due 1 Aug

Electricity

1/4 share · $214.00 total

Mark as paid

$53.50Due 12 AugReceipt

Internet

1/4 share · $89.00 total

$22.25Paid

Total$1,225.75

Add a shared expense

Home

Rent

Expenses

History

You

9:41

History

A clean record, handy for your next rental reference.

July 2026$1,220.10

Rent · 1 to 31 Jul

Paid 1 Jul · You flagged it, your host confirmed

$1,150.00

Electricity · AGL

Paid 6 Jul · Recorded by your host

$47.85

Internet · Superloop

Paid 6 Jul · Recorded by your host

$22.25

June 2026$1,191.80

Rent · 1 to 30 Jun

Paid 1 Jun · Marked paid by you

$1,150.00

Water

Paid 9 Jun · Recorded by your host

$41.80

Export my payment record

Home

Rent

Expenses

History

You

Run your own numbers

What would a spare room do to your loan?

Move the sliders. This assumes you keep paying your minimum repayment and put the rent you collect straight back into the loan as extra repayments.

Loan balance$604,200

Interest rate6.10%

Rent you collect$760/wk

Three rooms at $250–$270 a week is around $760. One room is more like $250.

Minimum repayment, 30-year term$3,661/mo

Minimum repayments only

205630 yrs

With the rent going back in

20369 yrs 7 mths

20 years and 5 months sooner

and about $518,000 less interest paid over the life of the loan.

A straight amortisation on the figures above, with rent applied as an extra monthly repayment and the rate held flat. Real loans have offset accounts, rate moves, fees and vacancy. This is an estimate, not financial advice.

No hand-waving

What’s actually true.

Money software earns trust with specifics, not adjectives.

Here are ours. Every one is something you can check on a screen inside the app rather than take on faith, which is the only kind of promise worth making about somebody else’s rent.

No rounding drift

Whole centsAUD

Every amount is tracked to the exact cent in AUD. Splits are exact and they add back up to the total, every time.

$935.48$735.48 of $935.48

$735.48 in$200.00 to go

Record a paymentPart paid

Mark $200.00 received

Part payment

Rent waits for your OK

Yours to switch off24-hour undo

When a housemate marks their rent as paid, it waits for your confirmation before it counts. That is how a new home starts and it is yours to turn off. Whoever made a mark can take it back for a day afterwards, and the payment is reversed rather than deleted.

One ledger, two phones

Both sidesSame record

You pay each other however you already do. Roomeo records it against the charge, so the person who paid and the person who was owed are looking at the same dated line, with the same name on it.

Days end when your day ends

Your property's timezoneLocal calendar

Rent periods and due dates follow your property’s local calendar, not a clock overseas. Nothing flips overdue at 10am because of a time difference.

Add a home

Step 1 of 4

State or territory

NSWVICQLDSAWATASACTNT

Tailors bond and agreement guidance to WA rules. Rent and bill dates run on Perth time (AWST, no daylight saving).

Attached to the expense

ReceiptsHouse-only

Photograph the bill as you add it. It sits with the expense from then on, visible only to your house, and it never lands in a camera roll nobody can find.

PDF and CSV, both sides

ExportsOwner and renter

Owners export a dated, itemised statement of the month, each housemate's rent set against the loan repayment. Renters export their payment record in both formats too, free, and every PDF carries a code anyone can check on this site.

Export payment record

Period

3 months6 months12 monthsAll time

Include

Rent + expensesRent only

Export PDF

Export CSV

Pricing

The record is free. The answer is the paid bit.

Rent, bills, receipts, bond and agreements are free for everyone in the house, owner included. Roomeo Owner adds the equity card, the payoff projection, the offset statement, your year’s tax pack, the occupancy check, and unlimited amendments and new agreements on one home. Owner+ does the same on up to 3.

Renters, boarders and share houses never pay. Not for anything, and there are no ads.

EveryoneFree

The whole ledger, for owners and for everyone living there. No caps and no ads.

Roomeo OwnerA$69a year

Or A$8.99 a month. The equity screens, the tax pack and the occupancy check, plus unlimited agreements, on one home.

Roomeo Owner+A$119a year

Or A$14.99 a month. Everything in Owner, on up to 3 homes.

One agreementA$29once

Send a single room agreement without subscribing. Signing is always free.

See every feature and plan More than 3 homes? Talk to usAll prices in Australian dollars.

Questions people actually ask

Does Roomeo move money?

Not today. You pay each other exactly the way you do now: bank transfer, cash, whatever suits. Roomeo records the payment against the charge so both sides have the same, dated record, and there are no bank logins. Paying inside the app is something we would like to add one day, and if it ever lands it will be one more way to pay rather than the only one.

Can my housemates see my mortgage?

No. Loan balance, equity, payoff projection and the private late flag you can put on a rent charge are owner-only. They live on your side of Roomeo and only there. The app enforces it, so nothing your housemates open will ever carry those figures, even by accident.

What does my housemate see?

What they owe, what they’ve paid, their share of each shared expense with its receipt, and their own payment history. It’s a shared record with you. The app says so plainly on their side rather than implying it’s private.

Is a Roomeo agreement a lease?

It’s a written record of what you both agreed (rent, frequency, start date, bond, house rules), signed by both of you, with a copy each. Rooming and boarding arrangements are governed differently in every state and territory, so it isn’t legal advice and it doesn’t replace advice about your own situation.

Are the payoff projections real?

They’re a straight amortisation of the loan figures you enter, held at a flat rate. Real loans move: rates, offset accounts, redraws, fees, vacancy. The app labels every projection as an estimate and says on the screen that it isn’t financial advice. We mean it.

Does it work for a share house with no owner?

Yes. There’s no mortgage side, and the house picks how rent runs: off entirely, or everyone sets and records their own rent with nobody seeing anyone else’s, or everyone pays the house host, who confirms it. Expenses work the same either way: anyone adds a bill, splits it, attaches the receipt, and anyone can invite a new flatmate. There’s also a boarder role for part-time residents, where rent is optional.

What happens if I delete my account?

Your personal details are anonymised rather than shredded. Your rent and expense entries are also the other party’s record of what they paid, so wiping them outright would take somebody else’s history with it. Your name and contact details go; the ledger keeps its shape.

Built for Aussie homeowners, housemates and renters

Set up your home, invite the room, and watch the offset. Free for everyone in the house, with the owner’s equity screens on a paid plan.

PriceRenters never payNot a cent, not for anything, ever. The paid plan is the owner’s alone.

RentWeekly or fortnightlyMonthly too, if that suits. Set it against the day you actually get paid and the charges appear on schedule.

The mathsRight to the centEvery amount in exact cents, in AUD. Splits add back up to the total, every time.

Free to downloadGet Roomeo

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