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Guides to splitting shared costs

Plain answers to the questions that come up when you share money with other people. Each guide includes a worked example with the maths shown.

Updated November 2026

How to split rent fairly

Equal, by room size, by features, or by income. One apartment, four methods.

Split a bill with tip and tax

Proportional vs equal, with a worked dinner for four.

Settle up after a trip

Net balances and the fewest payments, worked through.

Ask a friend to pay you back

Polite, copy-ready messages for every situation.

Split expenses in different currencies

Which rate to use, card fees, and when to convert.

Track shared expenses with roommates

What to log, how to split it, and when to settle.

Split the electricity bill with roommates

Equal, base plus AC, and the slab-rate method, worked through.

How these guides work

Each guide answers one question in its first two sentences, then shows the maths with a worked example. Every example has names and real numbers, and the balances add up to zero, so you can check them yourself. Where it helps, we link to a free calculator so you can run your own numbers.

Looking for a specific situation?

Our use cases cover group trips, flatmates, couples, college friends, weddings, bachelor parties, office lunches, and festivals, each with its own example.

Track it with your group

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