Research

The research behind splitting bills

We read the academic papers on splitting bills and shared money so you don't have to. What actually holds up, and what it means for the next time you're staring at a check trying to work out who owes what.

Behavioral economics·4 min read

Why the group always over-orders

A field experiment found people spend about a third more when the bill is split evenly. Why it happens, and when the even split is still fair.

The math·4 min read

The math behind “simplify debts”

Any group settles in at most n−1 payments. The true fewest transfers is NP-hard, and it never matters for a real dinner. Here's why.

Design·3 min read

One good default beats ten options

A fair-division site ships one algorithm per problem, on purpose. And people can feel the difference between a technically fair split and a good one.

Memory·6 min read

You both remember paying more than half

In the classic study, 27 of 37 couples' combined claims of who does what added up past 100%. Neither of you is lying; the ledger in your head is just biased, and it gets worse as the group grows.

Psychology·7 min read

Why keeping score with friends feels gross

Five studies on why exact repayment between friends reads as petty, from the 1979 communal-exchange experiments to the $9.99 Venmo effect, and why the fix is letting a neutral ledger keep the score.

IOUs·7 min read

The small debt nobody agrees exists

Borrowers and lenders carry different memories of the same small loan, and neither one is lying. Five papers on why little IOUs between friends never get settled until someone writes them down.

Fair division·6 min read

The theorem that ends rent fights

A 1999 proof guarantees a rent split no roommate would trade, and 1,800 Swedish apartments show what “utilities included” really costs.

Social psychology·6 min read

Dinner with friends is bigger before the bill even lands

Food diaries, a brewpub experiment, phone check-ins and 800,000 receipts: how the group inflates the bill before anyone picks a split rule. The split method is the only lever you control.

Design psychology·7 min read

Why dvup wobbles: the case for a playful money app

The founder's case for wobbling bubbles and animal faces in a money app, from the ATM beauty studies to the Robinhood confetti line.

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