Money Date / A shared-bills conversation kit
Before the bills,
get on the same page.
Five questions to talk through together. No account.
No financial details to enter.
Jump to a question
What are we sharing?
Which bills belong in your shared plan, and which stay separate?
For example: “Rent, groceries and utilities together. Personal subscriptions separately.”
You don’t need to combine everything. Start with the costs you both want to share.
Optional checkmarks reset when you reload. Discussed doesn’t have to mean decided.
What split do we agree on?
Talk through an equal split, an income-based split, or another percentage you both choose.
For example: “Let’s try 60/40 for these bills and check how it works for us.”
The right starting point is one you both understand—not a formula that decides for you.
Optional checkmarks reset when you reload. Discussed doesn’t have to mean decided.
When will we contribute, and who will pay?
Discuss when contributions are needed, where they will go, and who makes each payment.
For example: “Let’s contribute after payday, and I’ll handle paying the utilities.”
A planned contribution isn’t money received. Leave room for paydays and bill due dates that don’t line up.
Optional checkmarks reset when you reload. Discussed doesn’t have to mean decided.
What if contributions differ?
Talk about what happens if either person puts in more or less than planned.
For example: “Let’s check in before deciding how to handle the difference.”
Start with what happened, without blame. An unexpected bill or a change in income may mean the plan needs another look.
Optional checkmarks reset when you reload. Discussed doesn’t have to mean decided.
When will we revisit the plan?
Pick a comfortable time—or a change in circumstances—that would bring you back to this conversation.
For example: “Next month, or sooner if our income or bills change.”
It’s okay to leave a question open. You can come back to it when you’re both ready.
Optional checkmarks reset when you reload. Discussed doesn’t have to mean decided.
An example, not a rule
One month.
Two different questions.
Say you agree to split $900 in bills 60/40. Here’s how the shares compare with what each person has contributed.
Partner one 60% share
- Share of the bills
- $540
- Contributed
- $620
$80 above their share
Partner two 40% share
- Share of the bills
- $360
- Contributed
- $280
$80 below their share
Together: $900 contributed toward $900 in bills. The contributions match the bill total, but not each person’s agreed share. Those are different views of the same month.
This comparison is not an instruction to transfer $80 between partners. It doesn’t decide what should happen next month.
Fictional amounts, for the same period and currency. This example leaves out earlier balances, personal bills and credit choices. It isn’t a bank balance or the app’s full reconciliation.
Keep the conversation going
Make room for
the next check-in.
Use the blank checklist on paper, or come back to these questions together. Nothing you check here is saved or sent to the app.
Copy this public link manually: https://houspensive.com/money-date/
Prefer paper? Use Print blank checklist at the top, or your browser’s Print menu. It prints only the five prompts with room to write.
Want to explore a little more?
Read about splitting bills as a coupleTry the shared-bills calculatorCreated by Houspensive, operated by Ryan Woloshyn Software. For further reading: FCAC’s guide to managing money as a couple. FCAC does not endorse Houspensive.
General information, not personalized financial or legal advice. The optional checkmarks stay in this page until you reload or leave. The website’s existing analytics are described in our privacy policy.
Houspensive / Money Date
Before the bills, get on the same page.
Five questions to talk through together. Start anywhere; you don’t need every answer today.
What are we sharing?
Which bills belong in your shared plan, and which stay separate?
What split do we agree on?
Talk through an equal split, an income-based split, or another percentage you both choose.
When will we contribute, and who will pay?
Discuss when contributions are needed, where they will go, and who makes each payment.
What if contributions differ?
Talk about what happens if either person puts in more or less than planned.
When will we revisit the plan?
Pick a comfortable time—or a change in circumstances—that would bring you back to this conversation.