Methods provide cognitive management of multiple subaccounts wherein processors are configured to determine an expense type for an input of an expense event to a linked account structure that links subaccounts that are each associated to different respective ones of a plurality of group members. In response to determining that the input expense event expense type most-strongly matches an expense type of a nearby in time calendar expense, methods allocate expense costs of the input expense to member subaccounts pursuant to a first expense allocation rule utilized in the nearby calendar event for allocating expenses. In response to determining that the input expense event expense type does not match the expense types of a nearby calendar events, methods further allocate the input expense event costs pursuant to a second expense allocation rule selected as a function matching the input event expense type to behavior data of a member.