BillMonk is a web service designed to help split and share bills among friends and associates. Essentially you can create Bills, IOUs, or settle payments.
There is a nice AJAX-enhanced web interface to the service, where you can set up the email addresses or phone numbers of the people who you are dealing with regularly; you can create a payment, say Rent -- say I payed all of january's rent, I can register that I've made that payment, but then my roommates Joe and Sue now owe me money. I can set up the participants of a particular bill and BillMonk will automatically keep track of how much they owe me. What's cool is say there's another bill, Cable, that Joe payed all of, but Sue and I owe him for our share. If joe registers that bill, the amount he owes me will automatically have my share of rent deducted from it, and so on.
Where this becomes really interesting is that you can SMS (actually SMS-to-email) bills to the service on-the-fly, say at a restaurant.
From their site:
You can divide bills up evenly, or people can sms back using the 'bill code' to indicate what their fair share of the bill is; everyone elses will be recalculated accordingly.
What's also cool is that you can setup groups that say you always go to dinner with. BillMonk will keep track of who paid for the meals over time, and decide on a 'victim' whose turn it is to pay, based on how much they owe from previous bills...
I'm still experimenting with it -- I haven't had to split any bills yet and I don't want to spam friends with fake IOUs, but one other nice thing is a wallet-sized PDF of the syntax you use to communicate with BillMonk -- one of the hardest things of communicating with a text-parsing service is remembering the commands and syntax it requires *ahem*dodgeball*ahem*. Offering a cheat sheet like this is a nice touch..
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