Hello
My wife and I split everything, use our own credit credits and then attempt to reconcile who owes each other what from time to time. It’s a PITA so we ignore it for long periods of time and one is usually owed a few thousand. I make the majority of the purchases, groceries and have all utilities in my name.
I use Tiller, she does not.
Is there a template thats good to make splitting easier? A monthly reconcile would be ideal and I would love to get insight from historticals on spending trends so she can setup an auto-deposit & then figure out whatever small amount is needed to make the other person whole so we are both keeping the right amt. of money in our bank accounts so we can invest the rest.
Are there specific splits by category type? E.g. groceries are split 50/50, but utilities are split 70/30 (just for example). You could create a column in the Categories sheet which tracks the category split amounts in one central spot.
You said you use Tiller and she does not, but do you have her cards connected to your Tiller or no? I think you could make a custom solution that would add up her spending on groceries, and your spending on groceries, find the total, apply the agreed upon split, and then compare your spending to the split number to see if you need to be reimbursed or if you need to reimburse her. Then you can expand to all your categories, and sum the total amount you owe vs. the total amount you paid, and then there is one reconciliation number for each month. I don’t think there is anything like this pre-built, but I don’t think it would be too complicated to create. I’d leverage the account field in AutoCat to have Tiller categorize who made the purchase in the first place, to automate it all as much as possible. Maybe you leverage Tags to label each transaction in relevant categories only with the name of the person who made the purchase, and then run a Tags report, where you pull in the Category split numbers from the Categories sheet using a vlookup.