How to automatically count only 50% of a shared credit card’s transactions in my budget

Conversation Ask Anything
, ,
1

I’m trying to figure out the best way to handle a shared credit card in Tiller.

The card is in my name, and all transactions on it are split 50/50 between me and my partner. I pay 100% of the monthly statement, and then my partner reimburses me by depositing 50% of the statement total into my bank account.

What I want is for only 50% of each transaction on this card to be reflected in my budget and reports.

The challenge is that the card spans many categories and has hundreds of transactions, so using Saved Splits based on category, amount, or merchant isn’t really practical. I do have the Saved Split spreadsheet installed, but I’m not sure how (or if) it can be used to apply a consistent 50/50 split across an entire account.

Is there a way to automatically split all transactions on a specific credit card 50/50, regardless of category? If not, is there a recommended alternative approach in Tiller for this kind of shared-expense setup?

I’m open to workarounds that still keep budgets, category totals, and net worth accurate. Thanks!

2

This is probably the easiest work-around to automate this that I’ve seen.
It does mean making a small edit to the hidden area of templates that use the default Amount and Balance columns.

Transactions sheet, add My Amount column:

={"My Amount";arrayformula(if(INDIRECT("G2:G")="Joint Credit Card",INDIRECT("E2:E")*0.5,INDIRECT("E2:E")))}

Monthly Budget sheet, cell J27
Change Amount to My Amount

Yearly Budget sheet, cell AO4
Change Amount to My Amount

For Net Worth/Balances:

Balance History sheet, add My Balance column:

={"My Balance";arrayformula(if(INDIRECT("D2:D")="Joint Credit Card",INDIRECT("I2:I")*0.5,INDIRECT("I2:I")))}

Accounts sheet, cell I1
Change Balance to My Balance

MAP({"Account Id";"Date";"My Balance"},LAMBDA(HEADER,REGEXEXTRACT(ADDRESS(1,MATCH(HEADER, indirect("'Balance History'!$1:$1"), 0)), "[A-Z]+"))),

Net Worth sheet, cell AW4
Change My Balance to My Balance

This sample spreadsheet highlights the changes.

2 Likes