Splitwise is probably the most popular shared expense tracking and splitting app. Instead of paying for the pro version of Splitwise, why not achieve the same results for free with Gemini?
Almost every Android phone comes with Gemini onboard, and those that don't — as well as iOS devices — can install the app for free. With the right set of prompts, you can get accurate results and data sheets, just like a dedicated expense tracking and splitting app would.
Let me show you how to do that.
Here's how you can use Gemini to track and split shared expenses
Giving the right prompt is the most important factor when using Gemini. The second most important thing is giving proper information and in as much detail as possible.
Start off by opening the Gemini app on your smartphone, tablet, or device of choice. You can use the regular Gemini Flash model for this scenario. Next, prime Gemini for the task by giving it the necessary instructions. Here's what you need to mention:
- What you want Gemini to do
- How many people are involved and who are they
- How the expenses are to be split
- The currency of the expenses
- The date of each expense and who paid for it
You can use my prompt if you like, but please alter it to suit your situation.
Sample prompt for Gemini: "Help me track and split group expenses. I, Namerah, am going to a three-day island getaway trip with five other people. Their names are Emma, Madison, Ally, Sarah, and Randy. All expenses are to be split evenly between us. With each entry, I want you to tell me who owes who. All expenses are in MYR. I paid RM150 for fuel, Ally paid RM435 for the car rental, and Sarah paid RM4,500 for the hotel on 26 May. What is the current tally for each person?"
I was incredibly impressed with Gemini's response, and how quick it was. Here are screenshots of my Gemini app to give you an idea of what to expect.
You get in-depth analytics and it even asks if you want to add more expenses in the end. The tables can even be exported to Google Docs or Sheets.
Gemini did exactly what Splitwise does for you, as I discovered. But because there's no limit to how many expenses you can add per day, this is even better! Even the free, unpaid version of Gemini can perform this task for you.
After this, you can continue adding expenses, and you can take it as far and make it as complex as you like. For instance, lets say Ally paid RM58 and this expense is only to be shared between them, Randy, and Madison. You can tell Gemini this and it will split out new tallies. Or lets say Randy is to pay 65% of this bill, you can also tell Gemini this and it will do the math for you.
Once Gemini Spark launches, its going to become even more convenient to track and share expenses
Google showed off the agentic Gemini Spark agent at the Google I/O 2026 event. Once Spark arrives in our hands, tasks like tracking expenses will become even easier. Google says that user will be able to grant Spark access to apps, even though it will remain fully in the control of the user. This means that before you even open the Gemini app to log an expense, the agentic AI will already have it covered for you, should you tell it to do so.
Imagine having a virtual butler that lives in your phone and performs tasks on your behalf, with your permission, intuitively. That's what Gemini Spark is proposed to be. I'll definitely test this expense sharing hack with Spark once it launches to see whether we can achieve this in reality.
Until then, enjoy using your basic Gemini app to track and split shared group expenses. Of course, logging each expense and information like who paid for what, how much, and which persons are splitting said bill, can be rather tedious work. Until Spark arrives, you have to continue to do log this info manually.
