Practical guides for splitting expenses
The everyday questions: rent ratios, late expenses, dropouts, receipt management, and how to recover money from a non-paying friend.
25 guides across 5 topics
Splitting
The master bedroom is bigger than the box room. Equal splits are unfair. Here's the math.
The gym-rat's hot showers shouldn't punish the person who works from home. But the math has to be tractable.
Your friend earns €30k; you earn €90k. Equal-splitting feels off. Suggesting a 60/40 also feels off. Here's the script.
Equal-splitting a €240 bar tab when one person was on water all night is the fastest way to start a quiet resentment.
A 7-night stay with a €120 cleaning fee. Per night that's €17. Whose 'night' does that count toward?
One room, two beds, three people. Someone's on the floor or paying differently. Here's the maths that doesn't ruin the trip.
Different salaries, shared roof. 50/50 isn't fair and percentage-of-income feels weird. Here's the middle path.
One person wants Michelin stars; another's happy with kebabs. Equal splits punish the budget-conscious. Here's the fix.
Someone ordered two cocktails and a steak; you had soup. Equal split means you're subsidising their dinner. Here's the etiquette.
Best man wants a Vegas weekend; the groom's brother is on the pull-out sofa at his mum's. Here's how the budget actually works.
Settlement
Smart settlement gives you a payment plan. The actual money still has to move. Here's the cleanest path on each platform.
It's been three weeks since the trip. They've seen your messages. The €240 hasn't moved. Now what?
Lend a friend £40 and you're suddenly the awkward one. Here's how to ask for it back without making it weird.
The third time it happens, it's not forgetfulness. Here's how to stop quietly subsidising someone.
Edge cases
It's three weeks after the trip. Someone just remembered they paid €120 for the rental car. Now what?
Day 3 of a 7-day trip, someone has a family emergency and flies home. Now what about the villa they pre-paid €600 for?
Airbnb returned €300 of a €500 security hold. Who absorbs the €200 that didn't come back?
Your friend won't download anything. Their excuses are getting creative. Here's how to split with them anyway.
They missed the first three days. Splitting the whole week equally isn't fair. Here's the maths that is.
Someone broke a window deposit. Someone overspent on the wine. Someone insists Uber Black was 'basically the same.' Here's the calm response.
Admin
Finance wants original receipts for that conference dinner you logged three weeks ago. You have them - but you didn't attach them.
Rent. Internet. Cleaner. The same expenses every month. Here's how to never re-enter them again.
Your accountant wants a CSV. Your finance team wants a PDF with receipts. Both, for the same trip.
Someone wants proof. Or wants to double-check the math. Sharing the receipt should take 5 seconds.
The trip is over. Everyone settled. You don't want to delete the group, but you also don't want it cluttering your active list.