On Thrive Duo, your partner is already one of your people on Splits, so you never need to add them. A bill you split with them is one bill you both share, like Splitwise: you both see the same bill, its note, its receipts and the same balance, either of you can change it or tick it paid, and each of you counts only your own share.
Split a bill with your partner
Open the purchase
From Transactions, or choose Split a bill on the You & your partner card at the top of Splits.
Choose Split, then Split with your partner
It starts at half each. To divide it another way, choose Amounts or Percent under How to divide. If you've saved a split with your partner, like 67/33, it leads the screen: tap it to split in one go.
Choose Confirm split
The bill shows on both of your Splits right away.
What your partner sees
- The bill on their Splits, marked as paid by you, with their share, its note and any receipts kept with it.
- Their share as a line in their own transactions, on the bill's day and in its category, so it counts in their spending, budget, reports and recurring bills.
- Only the bills you split with them. Nothing else of yours shows unless you share it on the Household tab.
Bills your partner splits with you
They show on your Splits as paid by your partner, with your share. Your share is in your transactions with a small mark saying who paid, and it follows the bill whenever either of you changes it. You can still change its category, add a note or tags, or ignore it.
Change a bill together
There's one bill between you, so a change either of you makes is the same for both of you at once. On Splits, open the bill and choose Change the split or Edit the bill, or choose your partner's bill from your share in Transactions.
- A bill on your partner's card or account: change how it's divided, half each, by percent or by amount. Its amount and date come from their bank.
- A bill your partner added by hand: change what it was for, the total, the date and how it's divided, or delete it for both of you.
- A bill with other people on it: only whoever added it can change how it's divided. You can both still tick it paid and add a note.
To write a note on a bill, open it on Splits and choose Add a note. You both read the same note.
Tick a bill paid, or not paid
Each bill on Splits has a round tick at the end of its row. Tap it to mark the bill squared up: what's left on it is recorded as paid. Tap it again if it wasn't paid after all, and it's open again. Either of you can do this on any bill between you, and it changes for both. Ticking one bill never touches the others.
Open a bill to tick each person's part on its own, with Paid and Not paid. A payment that came through your bank, or one toward everything you owe, stays when you untick: it really happened. If an e-Transfer wasn't for this bill, open it in Transactions, choose Settle-up, then It wasn't a settle-up.
Receipts you can both see
A receipt or file kept with a bill between you shows for both of you: on the purchase for whoever paid, and on the share for the other. Open the purchase or your share and choose Receipts & documents. You can open and download your partner's files; only whoever added a file can change or delete it.
Paying each other back
The You & your partner card at the top of Splits says where you stand, like "Sam owes you $1,387.40", then how that is made up: what's owed to you on some bills, less what you owe on others. Both stay listed bill by bill until you settle up. Choose Settle up on the card to record one payment and clear every open bill between you, both ways; a bill cleared without anyone paying it reads Evened out. It shows on both of your Splits. When both of your banks are connected, an e-Transfer between you that pays back what's open is recorded once for both of you, and neither of you counts it as spending or income.
Recorded twice?
If you each recorded the same bill or payment your own way (say your partner split their card's charge and you also added it by hand), it would count twice. Splits shows these under Recorded twice? at the top of Bills. Choose Keep one and the extra one goes for both of you. Nothing is merged unless one of you chooses it.
In your household views
A bill split between you counts once, whole. Rent of $2,000 split down the middle is $2,000 in your household spending, budget and reports, with $1,000 each. An account you both connected, like a joint chequing account, also counts once.
If you leave the household
Every bill and payment you shared stays on both of your Splits as your own record, and your shares stay in your money. New bills are no longer shared, and bills between you can then only be changed by whoever added them.