Splitting a shared home three ways stops being simple the day the rooms are different sizes and the incomes are different numbers. This allocator lets each bill carry its OWN split method — rent by room size, groceries equally, the insurance by income — then nets everything into the minimum payments that square the household up.
The sample household (Maya, Jordan and Sam, $2,400 rent split by room size across a 990 sq ft apartment) logs $3,177.00 of bills. Maya fronted $2,574.00 against her $1,297.52 share; Jordan is $782.53 behind and Sam $493.95. The settlement matrix turns that into just two transfers — Jordan pays Maya $782.53, Sam pays Maya $493.95 — done, nobody owes anybody.
What it does for you:
– Splits every bill 3 ways by the method you pick for THAT bill: Equal, By Room Size, or By Income — switchable row by row
– Tracks who paid each bill and each person’s exact share, with a shares-check that must total 100%
– Nets all balances into a who-pays-whom settlement matrix using the minimum transfers (no payment chains)
– Names the roommate deepest in debt and the largest single transfer, so settle-up day takes one minute
– Adds a household admin expense log, zero-based monthly budget, dashboard and 12-month summary
What’s inside (.xlsx, works in Excel AND Google Sheets):
– Start Here — setup steps and household settings
– Bill Split Log — roster with computed shares + one row per bill with its own split method
– Settlement — paid vs owed per roommate + the netted who-pays-whom matrix
– Expense Log, Monthly Budget, Dashboard, Monthly Summary
Instant download. Type only in the yellow cells — formula cells are locked (password: sheetdaily, disclosed on the Start Here tab so you can unlock if you ever need to). Sample household is pre-filled so you can see exactly how it works; clear the yellow cells and type your own. Tracking tool only — not financial or legal advice.
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