People and shared expenses

Each person has a receivable (they owe you, never below zero) and a payable (you owe them, never above zero). Money toward someone pays down what you owe them first, then builds what they owe you.

• Use “split with someone” in Add to record a shared expense.
• Each person has a netted statement that runs from the start of last year.
• Export a statement as CSV or PDF; the app and MCP clients produce identical files.
• Receivables activity is also a report.

Keep shared costs separate from income

A reimbursement clears a receivable; it is not salary. A loan payment’s principal changes the liability rather than an expense. The receivable for a co-owner’s share of principal should not credit your interest or expense category. Always inspect the netted person statement after a shared transaction.

Settle and verify

1. Open People and inspect what the person owes or is owed. Zero-balance people can be absent from summary lists.
2. Record the actual repayment with the correct accounts and date.
3. Open the statement and check its running balance and remaining open items.
4. Export CSV or PDF when a shareable statement is needed.

• A worked household example
• Reports