Home · Money & bills · Settle shared expenses without awkward maths

Just ask 2 min

Settle shared expenses without awkward maths

Someone paid for the holiday or the shopping again. Get a clear settle-up from the receipts you've got.

Updated 17 Oct 2026

The prompt · ChatGPT

Help me settle shared expenses.

People: [names]
Payments: [who paid, what for, amount]
How to split: [equal / by nights / custom]
Already paid privately: [any]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A clear balance: who owes whom and how much.
2. The working shown.
3. A polite settle-up message for the group chat.
4. A simple table to reuse next time.

Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. names: a short note you already have. who paid, what for, amount: a short note you already have. Leave the rest of the prompt as written.

This does not give tax advice. The books stay in the accounting system.

Loading the outline…