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Split shared costs fairly with housemates or a partner

One person earns more, or uses more. Get a fair split method you can both see in a simple sheet.

Updated 17 Oct 2026

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The prompt · ChatGPT

Help me split shared costs fairly.

Shared costs: [rent, bills, food, with amounts]
People: [names, incomes if they're happy to share, rooms/sizes if relevant]
What feels unfair now: [details]
What we want: [simple method we can stick to]

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

Then:
1. Two or three fair methods (equal, income-based, room-based) with a worked example on our numbers.
2. Pros and cons of each.
3. A Google Sheets layout to track who paid what.
4. A short house agreement paragraph.

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. rent, bills, food, with amounts: a short note you already have. names, incomes if they're happy to share, rooms/sizes if relevant: 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.

The prompt · Gemini

Help me split shared costs fairly.

Shared costs: [rent, bills, food, with amounts]
People: [names, incomes if they're happy to share, rooms/sizes if relevant]
What feels unfair now: [details]
What we want: [simple method we can stick to]

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

Then:
1. Two or three fair methods (equal, income-based, room-based) with a worked example on our numbers.
2. Pros and cons of each.
3. A Google Sheets layout to track who paid what.
4. A short house agreement paragraph.

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.

Keep the shared costs table as a table so I can use Export to Sheets.

Stay in this Gemini chat. Leave extensions off, including Gmail and Drive.

A short example

Fill the blanks, then paste. rent, bills, food, with amounts: a short note you already have. names, incomes if they're happy to share, rooms/sizes if relevant: a short note you already have. Leave the rest of the prompt as written.

1

You list shared bills and each person's situation.

2

The assistant asks what 'fair' means to you.

3

You get two or three split methods, a worked example and a sheet layout.

What happens

Use Gemini to split shared costs fairly with housemates or a partner

One person earns more, or uses more. Get a fair split method you can both see in a simple sheet.

Tools

Paste the prompt, fill the blanks, copy the draft.

  • Gemini — required. Drafts from the text you paste. Nothing is sent.

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