Start with take-home pay, not the salary on the contract. In France, net pay after CSG and income tax withholding is what pays the rent. Write that number first, then list rent share, charges, energy, internet, and any APL you actually receive. APL is not a gift you can spend twice: if it arrives on your account, reduce the housing line by that amount, do not add a fake extra income. A clean roommate budget has three pots: my personal life, shared house costs, and a buffer for the next bill shock.
Split rules that actually stick
- Rent by room size or by equal share, written in a note everyone signs.
- Shared charges (energy, internet, household products) in one monthly transfer.
- Groceries: either a weekly common shop or a clear "each buys their food" rule.
- Utilities at 70 EUR plus 379 EUR savings so a bill shock does not land on one card.
- Review the split when a roommate leaves or a contract changes.
Weekly habit
Every Sunday, check the shared account or the IOU list. If someone is late, settle it that day. Do not wait until the end of the month when rent is due and everyone is tense. Adjust the interactive template if your real rent share is not 508 EUR.
Build this budget in Saveet
Use these categories as a starting point, then create your own budget in the app and track spending from your phone.
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