Guides

Short, concrete guides to splitting shared costs — what to do when one person pays for everything, how to settle a group holiday, and how to keep it from becoming an argument.

Working out who owes who

How to turn a pile of shared expenses into balances, and balances into the shortest list of payments that settles everyone — with a worked example for four people.

Bill-splitting spreadsheet or app

A shared spreadsheet handles split bills well until it does not. What a sheet is genuinely good at, the three points where it breaks, and how to move without retyping.

Splitting costs on a group holiday

How to keep track of a group trip's spending as it happens, handle more than one currency, and end the holiday with a short list of payments instead of an argument.

Split expenses without making everyone sign up

Why sign-up walls break a shared expense record, how link-based sharing works instead, and what you give up and gain by having no accounts at all.

How to split bills with housemates

Four ways housemates split shared bills, what each one costs in effort, and how to keep a running record that tells you who owes who at the end of the month.

A free app to track and split shared costs

What to look for in a free app for splitting shared costs: whether everyone has to sign up, what the free tier really includes, and what happens when you settle.