Fair cost sharing
50/50, income-weighted, percentages or a monthly allowance. Share the expenses the way that suits you.
On top of your money.
Together.
Share costs fairly, budget smartly and reach your savings goals, without a single spreadsheet.
Or try our free FIRE calculator, no account needed- Free for now
- Your data is stored in Sweden
- No passwords, just a magic link
- Export everything whenever you like
- A forum with other couples and families
One place for all of the household's finances
4
ways to share costs fairly
0 kr
to ask other couples for advice in the forum
30×
your annual spending, the FIRE target
100 %
your data, export it whenever you like
Everything your household needs
From everyday expenses to financial freedom, all in one place.
A budget that holds up
Fixed, periodic and variable expenses, with buffer funds for the annual bills.
Savings goals
Set goals, follow your progress and celebrate when you reach them.
FIRE planning
The 30× rule and Monte Carlo simulation show the way to financial freedom.
Import transactions
Load bank statements (CSV or Excel) with automatic categorisation and protection against duplicates.
Your data is yours
Stored on servers in Sweden. Export everything as CSV/JSON or an encrypted backup whenever you like.
How it works
Three steps from your first login to a budget you both trust.
- 1
Create your household
Enter your email and click the link we send you, and your account is ready. No passwords to make up. Invite your partner and you share the same household, the same numbers and the same goals.
- 2
Add your finances
Import your bank statements (CSV or Excel) or type in the expenses yourselves. Rent, electricity and annual bills become fixed items with buffer funds, your incomes are split by your sharing model and the categorisation rules sort the transactions for you.
- 3
Stay on top of it, every month
The budget tells you whether you are on track, what to transfer to which account and how much you can spend per day for the rest of the month. Even out balances fairly, follow your savings goals and see how far you are from financial freedom.
What is FIRE?
FIRE means financial independence: having so much invested that the return pays for your life. Then work becomes a choice.
You do not have to want to stop working. Just knowing that you could makes work better: you can say no, go part time or change direction without the salary deciding.
Read more about FIRE“Work is better when you don’t need the money.”
Your road to financial freedom
The calculator uses the 30× rule and runs 1,000 Monte Carlo simulations on your savings. You see not just the goal, but how sure the road there is.
- The goal is 30 times what you spend in a year
- You see the best, the most likely and the worst outcome
- Inflation and the ups and downs of the market are included
- Add calmer years with part-time work or parental leave
- Add years when you save more, like after a pay rise
Projection: portfolio valueMedian10th to 90th percentileFIRE goal
You are not alone with your household finances
In the Sambokoll forum, other couples and families ask, answer and compare notes: budgets, cost sharing, saving and FIRE. Open for anyone to read, free to join.
Ask and answer
How do you split the rent when one of you earns more? How big a buffer is reasonable? Ask the question, or share what works for you.
A forum name, not your email
Everyone writes under a generated name that you can change whenever you like. Your email address is never shown.
React, quote and mention
Select text to quote it, react with an emoji and mention @each other to get a notification in the app.
Moderated and safe
Report posts that do not belong here. The team reviews them, decides and tells the writer why.
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Ready to get on top of it?
Create your household in a couple of minutes. Sambokoll is free for now. Later on it will probably cost a little, but you will hear about it in good time and decide for yourselves whether to carry on.
Create an account with emailNo card needed. You log in with a link by email, with no passwords to remember.
No passwordsA magic link by email, safe and simple.
Your data is yoursFull export as CSV, JSON or an encrypted copy.
Hosted in SwedenThe app and the database run on servers in Sweden.
Swedish from the ground upSEK, Swedish categories and formats throughout the app.