Rent and utilities split
Bills that change every month.
Opportunity score
8,047 / 10k
Strong idea. Real demand, and the gap is still open.
Rank
#11
Gap
A
Demand
69
31,920 contestable searches a month across 25 related keywords.
Momentum
100
Last three months ran up 97.9% against the three before, seasonality smoothed out.
Competition gap
67
13 real products rank on page one for this, ad competition 0.38.
Crowd
44
6 head-to-head rankings from builders, counted at partial weight until 20.
Willingness to pay
70
Advertisers pay $4.30 a click for this search — some money moves here.
What this score is based on
evidence checked 9/29/2026
- Search demand verified against Google Ads data
- 12 months of search history
- 25 related keywords clustered
- No firsthand pain signals collected yet
- 13 competitors analyzed from page-one results
- 6 crowd rankings from builders
Search demand comes from Google Ads data via DataForSEO and refreshes daily. Competitors come from a live scan of page-one results. Crowd input comes from builders ranking ideas 1-2-3 on the market.
Keyword cluster
25 keywords · 31,920 searches a month combined
Demand counts the whole cluster: 31,920 searches a month across every relevant way people look for this problem. The intent label on each keyword tells you how close that searcher is to wanting software.
| Keyword | Intent | Searches | CPC | Ad comp. |
|---|---|---|---|---|
| bill splitting app | wants a tool | 3,600 | $4.77 | 0.32 |
| app that splits bills | wants a tool | 3,600 | $4.77 | 0.32 |
| app for bill splitting | wants a tool | 3,600 | $4.77 | 0.32 |
| app for split bills | wants a tool | 3,600 | $4.77 | 0.32 |
| app that splits the bill | wants a tool | 3,600 | $4.77 | 0.32 |
| app to split the bill | wants a tool | 3,600 | $4.77 | 0.32 |
| apps that split bills | wants a tool | 3,600 | $4.77 | 0.32 |
| payment splitting app | wants a tool | 2,900 | $5.91 | 0.52 |
| bill splitter | unclear | 1,300 | $4.14 | 0.30 |
| app for splitting checks | wants a tool | 480 | $2.30 | 0.12 |
| tab bill splitting app | wants a tool | 320 | - | 0.00 |
| best bill splitting app | wants a tool | 210 | $5.05 | 0.23 |
| receipt splitting app | wants a tool | 210 | $1.53 | 0.13 |
| apps that split bills into 4 payments | wants a tool | 170 | $5.31 | 0.70 |
| split bill restaurant app | wants a tool | 170 | $1.39 | 0.08 |
| cost splitting app | wants a tool | 170 | - | 0.06 |
| restaurant bill splitting app | wants a tool | 170 | $1.39 | 0.08 |
| best expense splitting app | wants a tool | 110 | - | 0.09 |
| online bill splitter | wants a tool | 110 | $3.31 | 0.31 |
| restaurant bill splitter | unclear | 90 | $2.15 | 0.06 |
| tab bill splitter | unclear | 90 | $7.20 | 0.02 |
| app to split bills with roommates | wants a tool | 70 | - | 0.24 |
| split bill calculator app | wants a tool | 50 | $2.54 | 0.11 |
| share bills app | wants a tool | 50 | $3.08 | 0.28 |
| app to split bills with friends | wants a tool | 50 | $3.42 | 0.15 |
CPC is what an advertiser pays Google for one click on that phrase — a rough price tag on how valuable the visitor is. Ad comp. runs 0 to 1 and is how full the ad auction is: near 1 means advertisers are fighting over it (money is there, but ranking is hard), near 0 means almost nobody bids.
Who has the problem
People are searching for "bill splitting app" (3,600/mo) and "app to split bills with roommates" (70/mo) because they lack a reliable, automated way to divide variable monthly expenses. The effort of recalculating and collecting varying amounts each month creates friction and inconvenience among shared living arrangements.
- Who experiences it
- Roommates or friends sharing variable monthly expenses like utilities and rent.
- When it happens
- When monthly utility bills arrive with different totals than the previous month.
- How often
- Monthly, as each new bill needs to be divided and collected.
- What they do today
- Manual calculations or a notes app, which leads to errors, awkward reminders, and delays in receiving payments.
Read off 25 search phrases, 9/28/2026.
Why now
Demand is climbing and the field hasn't consolidated.
Searches are up 50% year over year
4,097 a month twelve months ago → 6,145 now for "bill splitting app".
Rising 98% over the last quarter
Last three months of searches against the three before them.
Peaks in August
Demand swings 175% across the year and you are inside the peak window right now.
Advertisers pay $4.30 a click here
Buying this intent instead of ranking for it would run roughly $41,177 a month — money is already chasing these searches.
6 real products on page one
Alongside 7 articles and reference pages, which is room a focused tool can take.
Search data
verified · dataforseo:us · refreshed 9/29/2026
- Lead keyword
- bill splitting app
- Cluster volume
- 31,920 / mo
- across 25 related keywords; lead phrase is 3,600 / mo
- CPC
- $4.30
- what an advertiser pays for one click here
- Ad competition
- 0.38
- 0-1 scale: some advertisers bidding
Opportunity score 8,047 = 40% contestable search demand (31,920 a month across 25 keywords) + 25% how open the competition still is (13 products on page one) + 15% momentum (last three months vs the three before, capped so one bucketed month can't swing it) + 10% willingness to pay ($4.30 a click) + 10% crowd rankings (Elo 1498, 6 head-to-heads, weighted by how many votes exist). Anything we can't measure is dropped and the rest re-weighted, so a blank signal never counts as an average one. Search data refreshes daily from Google Ads via DataForSEO.
Monthly searches for "bill splitting app"
6 votes · demand from dataforseo:us, updated 9/29/2026
Peak 6,145 · latest 6,145 · low 2,234 searches a month
Google reports monthly volume in fixed buckets (…27,100 · 33,100 · 40,500 · 49,500), so steady months land on the exact same number. Weekly data isn't published.
This chart tracks the single lead phrase. The demand score uses the whole cluster of 25 related phrases (31,920 searches a month), listed below.
Revenue potential
estimate, not a promise
Priced and converted as a prosumer subscription — the funnel below changes with that model, because a freemium consumer app and a B2B tool convert nothing alike.
MRR by month 12
$1,099 – $6,888
48–299 paying users · +5–33 new a month at 5% churn
Year-one run rate
$13,186 – $82,662
the month-12 number annualised — you earn less than this during the ramp
Price
$23/mo
same price as the business model below
24-month projection
log scale
Month 24 · hover to scrub
The two solid lines are the range above: a slow build and good execution on a slice of this demand. The dashed line is the breakout — you become the default answer for this problem, take roughly a quarter of the intent, convert far better because people arrive already sold, and churn halves. That's the outcome worth chasing, and it's about $141,507 a month by month 24 (15,322 paying users). Most ideas land on the bottom line; the point of the chart is that the ceiling isn't the estimate.
How we got there
- 31,920 cluster searches a month, 1.6x for app stores and word of mouth.
- You reach 0.8-5.3% of that, scaled by ad competition 0.38.
- 10% of visitors sign up, 12% of those pay. Trial-led: people arrive already shopping, so trial-to-paid runs high.
- That wins 5-33 new subscribers a month. Stack 12 months of that against 5% monthly churn and you're holding 48-299 paying users by month 12.
- Price $23/mo, taken from the business model below.
Who already builds this
6 real products · 7 articles, explainers and store pages · scanned daily on Google for "bill splitting app"
6 real products own this search. Everything else on page one is a roundup, review post or explainer, listed separately below.
Ranks #2 on Google for "bill splitting app".
splitwise.com · from live Google results · verified Aug 18
- #5Tabapp
Ranks #5 on Google for "app that splits bills".
tabapp.co · from live Google results · verified Aug 18
Ranks #11 on Google for "bill splitting app".
billsplittingapp.com · from live Google results · verified Aug 18
- #16Finance
Ranks #16 on Google for "bill splitting app".
finance.yahoo.com · from live Google results · verified Aug 18
Ranks #17 on Google for "app that splits bills".
theguarantors.com · from live Google results · verified Aug 18
- #19Themuse
Ranks #19 on Google for "bill splitting app".
themuse.com · from live Google results · verified Aug 18
Also ranking, but not products (7)
Roundups, review posts, explainers and store pages. They compete for the search, not for the job — they don't count against the competition gap.
- #4ArticleThe 7 best bill splitting apps of 2026, ranked by use casesplittyapp.com
- #7ArticleBest free bill splitting apps in 2026: options for roommates, ...splitmyexpenses.com
- #8UnclassifiedKittysplit: Easy splitting of group expenseskittysplit.com
- #11ArticleTop 5 Apps to Split Trip Expenses in 2026getcino.com
- #13ArticleWhat's the best split app for managing expenses and ...ionos.ca
- #16Article5 of the Best Cost-Splitting Apps for Travelerstoomanyadapters.com
- #17Article6 Best Bill-Splitting Apps - U.S. News Moneymoney.usnews.com
Likely business model
willingness to pay 53/100
Prosumer subscription
People are actively shopping for a tool here, so charge from day one.
Price to test · from ad click value
$9–$37/mo
No competitor pricing page was readable, so this band comes from what a click on this intent costs advertisers ($4.30) — a starting price to test, not a proven one.
What to charge for
Trial then subscribe. This crowd is already comparing paid tools, so ask for the card early rather than running a wide free tier.
What this data can't tell you
- · Nobody's published price backs this band yet — treat the number as a test, and put a price up in week one to find out.
Willingness-to-pay evidence
- Advertisers pay $4.30 a click for this intent — real money already chases it.
- 84% of the 25-keyword cluster is commercial-intent wording (best, app, pricing, alternative).
- Ad competition 0.38 — few advertisers fighting for it.