The disclosure generally describes methods, software, and systems for estimating cost allocations, including a method for the following steps. Using a machine learning system, transactions are consolidated into estimated sender-receiver totals for costs transmitted by senders to receivers in an organization. A sender-receiver percentage matrix is determined from the estimated sender-receiver totals of a given sender and for each receiver of the transactions from the given sender. The sender-receiver percentage matrix includes, for each sender, estimated sender-receiver percentages. Current actual costs are determined for each sender to receivers for a given time period. Estimated cost allocations are determined for given time period using the sender-receiver percentage matrix. The estimated cost allocations are determined for each receiver in the organization based on a function of the current actual costs for each sender. A report that includes the estimated cost allocations is provided for presentation to a user.