Shared Expenses Spreadsheet: A Free Google Sheets Template
A free Google Sheets template for shared expenses: tick who took part, and it works out each person's balance and who pays whom. And the five things that break it.
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Ideas, tutorials, and updates from our team.
How to Calculate Who Owes Whom After Shared Expenses
One formula answers who owes whom after any shared spending: amount paid minus personal share. Worked examples for a night out, unequal splits, repayments and a weekend trip.
How to Track Group Trip Expenses: A System That Survives the Trip
How to track shared expenses on a group trip — set up before departure, record as you go, and settle up once at the end without spreadsheet archaeology.
Debt Simplification Explained: How Circular Debts Between Friends Cancel Out
What debt simplification means in expense-splitting — how circular debts between friends net out so fewer payments settle everyone, with a worked example.
How to ask a friend to pay you back
Most people would rather lose the money than have the conversation. Why the ask is so hard, what to actually say, when to escalate, and how to stop needing to ask.
Splitting expenses in multiple currencies without starting an argument
A converted balance is a snapshot of a rate nobody agreed to. Why multi-currency splits go wrong, which rate to use when you must convert, and how to settle cleanly.
Splitting rent and bills with roommates: a system that survives the year
Rent is the easy part. It is the €12 of washing-up liquid, repeated four hundred times, that ends flatshares. A system for dividing rent, utilities and the shared basket.
Two kinds of transaction is all you need
Expenses, loans, paybacks, settlements — four objects that turned out to be two. A note on collapsing a data model until it stops lying.