Guides › Money
Split shared household costs fairly
A clear, fair split of rent, bills and shared shopping between housemates or partners, with a message ready to send everyone.
When to use it
Monthly, or when someone moves in or out
Step by step
List the shared costs
Write down each shared cost, how much it was and who paid it this month.
Agree the rule
Decide how you split: equally, by room size, or by income. Write the rule down so everyone agrees.
Work out who owes what
Paste the list into your AI assistant with this prompt.
Prompt to copyWe are [number] people sharing a home: [names or initials]. Our splitting rule is: [equal / by room size with these percentages / by income ratio]. This month's shared costs and who paid them: [list each cost, amount and payer]. Work out each person's fair share, what each has already paid, and the smallest number of payments needed to settle up (who pays whom and how much). Show the working in a simple table, then write a friendly, neutral message I can send to the group chat.Share and settle
Double-check the maths, then post the message to your household WhatsApp group so everyone can see the same numbers.
What you get
Total shared: £1,620. Each share: £540. Sam paid £1,100 (rent part + energy), Alex £320, Jo £200. Settle up: Jo pays Sam £340, Alex pays Sam £220. Message: 'Hi all, here's November's split...'
Tips
- Use initials rather than full names if you prefer.
- Ask the AI to keep a running tally if you paste each month's results back in.