Housemate Bill & Expense Splitter | Shared House Bills Excel Spreadsheet UK

Stop trying to work out shared-house bills in the group chat.

The MoneySavvyUK Housemate Bill & Expense Splitter helps 2–4 housemates organise shared bills and expenses, choose exactly who shares each cost, record who actually paid, and see who is ahead or behind at the end of the month.

Perfect for shared houses where not every expense is shared by everyone.

For example, all four housemates might share broadband, three might share groceries, and only two might share a streaming subscription.

Split each expense your way

✓ Split equally between only the housemates involved

✓ Use custom percentages when people contribute different amounts

✓ Include or exclude individual housemates from each expense

✓ Record who actually paid

✓ Record more than one person paying towards an expense

✓ Track refunds and credits

✓ Organise recurring household bills

✓ See each person's share versus what they actually paid

✓ Calculate the month-end position

✓ Get a clear Settle Up calculation

See the calculation — not just the answer

The workbook clearly shows:

Should Share → Actually Paid → Net Balance → Settle Up

So you can see where the final balance came from.

If an expense doesn't add up correctly — for example, the amounts recorded as paid don't equal the expense — the workbook flags it and blocks settlement until the inputs are corrected.

Useful for tracking

Rent contributions, Council Tax/Rates, gas and electricity, water, broadband, groceries, household supplies, subscriptions and other shared household expenses can all be organised in one place.

What's included

1 × Microsoft Excel (.xlsx) workbook

Including:

✓ Start Here

✓ House Setup

✓ Recurring Bills

✓ Expense Log

✓ Monthly Settlement

✓ Settle Up

✓ Dashboard

✓ Demo Example

✓ Source Notes

PLUS: 1 × PDF Quick Start Guide

No bank connection or subscription required

This is a standalone Excel spreadsheet.

There is no bank connection, no account to create and no monthly subscription.

You enter only the household figures you choose to record.

Sharing expenses as a couple instead?

We also have a separate MoneySavvyUK Couples Household Cost Splitter, designed specifically for two partners.

The couples version includes 50/50, income-proportional and custom percentage splitting, alongside recurring bills, shared expenses, a joint-account contribution planner and month-end settlement.

Want both?

Choose our MoneySavvyUK Shared Household Money Toolkit Bundle to get:

✓ Couples Household Cost Splitter

✓ Housemate Bill & Expense Splitter for up to 4 people

✓ Both Quick Start Guides

The bundle gives you both complete systems together at a lower price than buying them separately.

Please note

Designed for Microsoft Excel (.xlsx).

This workbook is for household organisation and estimation only. It does not determine what is fair, determine legal responsibility for rent, Council Tax/Rates, utilities or other bills, alter a tenancy or contract, calculate tax or benefits, collect payments, or create a legal agreement.

The way housemates choose to divide a cost within this workbook does not determine who is legally responsible for that bill.

Digital product — nothing will be posted.