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Split a dinner bill and track who owes you

Last updated October 13, 2026

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Say you pay $120 for dinner with Sam on your Rewards Card, and Sam owes you half. With a few requests to your AI, only your $60 counts as restaurant spending when your AI totals your spending by category, and Sam's account shows the $60 he owes you.

How to do it

  1. Ask your AI to record the dinner on your card, if it isn't there yet. For entering a charge by hand, see record cash or a missing transaction.
  2. Ask your AI to split the charge: $60 for your share under Restaurants, and $60 for Sam's share under a category of its own, such as Reimbursable. Split one charge across categories covers how splits work.
  3. Ask your AI to add $60 to Sam's account as money he owes you, under the same category as his share. Sam needs his own account first; track money you lent or borrowed shows how to add a person.
  4. When Sam pays you back, record the repayment on his account and link it to the deposit, as in track money you lent or borrowed.
Try asking

I paid $120 for dinner at Lucky Noodle House on my Rewards Card yesterday, and Sam owes me half. Record the charge, split it into $60 Restaurants for me and $60 Reimbursable for Sam's share, add the $60 Sam owes me to his account under Reimbursable, then tell me how much Sam owes me in total.

Try asking

How much does Sam owe me?

What you'll see

For the first prompt, your AI adds a $120 charge to Rewards Card and splits it into two $60 pieces, one under Restaurants and one under Reimbursable. It adds $60 to Sam's account, and his balance goes up by $60. For the second, it reads Sam's account and tells you the total he owes you, including anything from before the dinner. Sam's balance also shows on the People page in the web app.

Good to know

  • Post Sam's share to his own account. Attaching the card charge to Sam would add the whole $120 to what he owes you, not his $60 share, because a split piece can't be attached to a person.
  • Don't link Sam's entry to the dinner charge. A transfer link leaves both linked transactions out of spending and cash flow, so the whole $120 dinner, your half included, would stop counting as spending. Links are made between whole transactions, not split pieces. See link the two sides of a transfer.
  • Why the shared category. In category totals from your AI, each split piece counts under its own category, and amounts add up with their signs. Sam's −$60 piece and his +$60 entry are both under Reimbursable, so that category comes to $0, and Restaurants gets your $60.
  • Cash flow counts both. In a cash flow report, the $120 card charge counts as money out and Sam's $60 entry counts as money in, because it isn't linked. The categories on split pieces don't change what cash flow counts.
  • The web app's category totals don't use split pieces. They count the whole $120 under the charge's main category.
  • Splitting doesn't track who owes you. Only the entry on Sam's account changes his balance.
  • Track money you lent or borrowedAsk your AI to record money you lent to or borrowed from a person, track each repayment, and see at a glance who owes whom.
  • Split one charge across categoriesAsk your AI to split one charge into pieces with their own categories, so category reports and budgets count each piece where it belongs.
  • Link the two sides of a transferPair the money leaving one of your accounts with the money arriving in another, so a transfer stays out of your spending and reads as one movement.
  • See income vs expenses over timeAsk your AI for a cash flow report on a ledger, with money in, money out and the net for each day, week, month, quarter or year.