As of 13 August 2026, AI can split bills fairly with your housemates.

What to actually do

1. Do it yourself

   The route this page recommends

   A chat interface, chat-fluent skill, and roughly 15 minutes until you can act on the result.

   How to actually do it

   1. Open the bills, rent records and payment confirmations for the period you want to settle, and gather the total, billing period and payer for each item.
   2. Write down every housemate's occupancy dates, room differences and any agreed rule for rent, utilities, subscriptions or shared purchases.
   3. Remove bank account numbers, card details and other unnecessary private information, then paste the prompt and the cleaned figures into an AI chat.
   4. Answer the AI's clarification questions using the written agreement or the original bills, and do not allow it to guess an absent figure or rule.
   5. Ask the AI to produce the itemised table and final balances, then add the individual shares yourself or in a spreadsheet and compare the sum with the original bill totals.
   6. Send the itemised breakdown to the housemates, resolve any disagreement about the rules or missing evidence, and only then request or make the payments.

   Prompt

   Split these household bills between the occupants using the rules below. Show every calculation in a table with the bill, billing period, total, who benefited, allocation rule, each person's share, and who has already paid. Then calculate the final amount each person should pay or receive after subtracting payments already made. Keep every penny accounted for, make the final totals reconcile to the original bills, and flag any missing, contradictory or ambiguous information instead of guessing. Use pounds and pence, round only at the final stage, and state any assumption separately. Do not use bank login details or other unnecessary personal data.
   
   Occupants: [names or labels]
   Dates each person lived at the property: [dates]
   Room or occupancy differences: [details, if relevant]
   Agreed splitting rules: [for example, rent by room size, electricity equally, broadband equally, or another rule]
   Bills and payment records: [paste each bill's supplier, billing period, total, and who paid]
   Exceptions or shared purchases: [details]
   
   Before giving the final result, ask up to five short questions if the information is not sufficient to calculate a fair split.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.

2. Use a tool built for this

   Second choice

3. Hand it to a person

   The distant third

   A person who owns the outcome does this end to end, worth it when the failure is dear.