Bill split tracker for couples and roommates, fair and friendly

This bill split tracker is for couples and roommates sharing a home who want one clear, friendly way to decide who pays what and to settle up each month. Its 28 undated pages include a who pays what agreement, monthly split tables for two people or for up to four, rent and utilities, groceries, a log of shared expenses, an IOU settle-up log and a yearly summary, in US Letter and A4 PDF.

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How the bill split tracker keeps things fair

Write your arrangement down one time on the agreement page, and use the fair share calculator to divide costs equally, by percentage of income or by room size. Every month the split table shows each person's share. The grocery and shared expense logs catch everything beyond the usual bills, and the IOU log captures those small moments when one person pays for everybody.

When settle-up day comes, the monthly worksheet totals everything, shows each person's difference and lists the handful of payments that bring the whole household back to zero. There are no dates on the pages, so start in any month and print fresh monthly pages whenever you need.

Who this shared expenses tracker is for

• Couples moving in together who want to agree on sharing rent and bills
• Households of two to four roommates sharing a house or apartment
• Couples on different incomes who would rather split by fair percentage than strictly 50 / 50
• Friends or relatives living together who want conversations about money to stay light and kind
• Anyone getting a first apartment with someone else

Design and sizes

• Elegant, minimal pages in white with soft blush pink accents that use little ink
• Wide margins, so nothing gets clipped on a home printer
• Portrait pages in US Letter (8.5 x 11 in) and A4 (210 x 297 mm)
• No dates, so any month can be your first and monthly pages can be printed again as often as you like
• Tables for two people or for as many as four (P1 to P4), with a page for writing in everyone's names
• Account and contact fields only ask for the final 4 digits, never a full account number
• Use it in a binder or on a clipboard, or have it spiral bound at a print shop

Inside the bill split tracker: 28 pages

1. 1Cover showing the contents
2. 2Start here: the 6 parts of the tracker, four ways to divide costs (evenly, by percentage, by use, or a mix), easy habits and your settle-up day
3. 3Our household: the address, a table for up to 4 people (name, move-in date, room, contact, preferred way to be paid), how shared bills get paid, the shared account (final 4 digits only), 7 house money rules and lease details
4. 4Who pays what agreement: 14 bill rows (who pays, the split, each share from P1 to P4), what happens when a payment is late, costs you keep apart, a review date and 4 boxes for signatures
5. 5Fair share calculator for splitting by percentage of take-home pay among up to 4 people, a 60 / 40 example worked through, a table for rent by room size, the split you chose and why it feels fair
6. 6Shared bills and due dates: 14 rows (company, due day, usual amount, autopay, whose name it is in, who pays) and a due date calendar from 1 to 31
7. 7Monthly split for two: 15 rows with the amount, split, what P1 and P2 owe, who paid and a paid box, then totals, what each person actually paid and who settles with whom
8. 8Monthly split for three or four roommates: 14 rows with columns P1 to P4, a totals table showing each share owed, the amount actually paid and the difference, and notes for settling up
9. 9Rent and utilities: 9 rows divided across P1 to P4, a 6 row table of meter readings for splitting by use, why a bill came in higher and ways to save
10. 10A year of rent and utilities: 12 months of rent, electric, gas, water, internet and other costs, with totals and each person's share
11. 11Grocery split log for 20 shopping trips (store, total, personal items, shared amount, who paid, what each owes, settled), with monthly totals
12. 12Shared basics and whose turn it is: 15 rows for toilet paper, dish soap and other things you share, with lists for always shared, always personal and running low
13. 13 to 14Shared expense log with 24 rows per page (purpose, category, amount, who paid, split, each share, settled) and a total on each page
14. 15Shared subscriptions and memberships: 14 rows (whose account, cost, billing, renewal, split, each person's payment, keep), totals, a list to cancel and free trials ending
15. 16 to 17IOU settle-up log with 22 rows per page for who paid a shared cost, who owes, how much, when and how it was settled, and anyone still owed
16. 18Monthly settle-up worksheet combining bills, groceries, expenses and IOUs for P1 to P4, each person's difference, the payments that settle it and an all square check
17. 19Shared purchases and ownership: a 16 row table, what to do if you can't agree, and the things each of you brought
18. 20Move-in costs and deposit: a security deposit table for up to 4 people, 10 rows of move-in costs, notes on condition and how the deposit will be returned
19. 21Coming shared costs: 14 rows that break yearly costs into monthly amounts per person, plus a shared savings pot
20. 22Monthly money check-in: what went smoothly, what felt unfair, what is ahead, changes you agreed on, a 1 to 5 feelings scale for each person and a thank you note
21. 23Log of agreement changes: 18 rows (what changed, the reason, the new split, start date, who agreed) and topics to talk over
22. 24Yearly summary by month: totals for bills, groceries and expenses, what each person paid, and a settled circle for every month
23. 25Yearly summary by category and by person for 10 categories, plus what you are proud of, what you would change and hopes for next year
24. 26Moving out: a 12 step checklist, a table of final bills, the forwarding address and the deposit returned
25. 27Household contacts for the landlord, utilities and maintenance (final 4 digits only), emergency shut-offs and trash days
26. 28Lined page for notes

Files you receive

• Household Bill Split Tracker in US Letter, a 28 page PDF
• Household Bill Split Tracker in A4, a 28 page PDF
• Read Me First, a brief printing guide (PDF)

How to download and print

• Check out with PayPal, a debit or credit card, Apple Pay or Google Pay. Your download page opens as soon as the payment goes through.
• We email the same private download links to you, so you can download your files again later.
• Open the PDF in a free reader such as Adobe Acrobat Reader and print at 100% or Actual size.
• Print only the pages you need, as often as you like, for your own personal use.

Good to know

• The file is a PDF for printing, not a hyperlinked digital planner. You can still import it into most note taking apps and write on it.
• This is a digital product. Nothing is mailed.
• Printed colors may look slightly different from your screen.
• For personal use. Please do not share, resell or redistribute the files.
• Digital files cannot be returned. If a file will not open or print properly, email us and we will help right away.
• The tracker is a friendly way to organize shared household costs. It is not financial or legal advice, and it is not a lease, a contract or a loan agreement.
• No brand names appear anywhere in it.

How this was made

Designed and written by PetiteDiary. AI tools helped draft parts of the text, and some background scenes in the preview images were created with AI. Every page was designed, reviewed and checked before release.

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