<prompt> Human: My gf and I unmarried have a 5050 mortgage at 4kmo. The bank has an option for auto-pay from a single account, which I set up from mine. Ideally, she could just pay me back 2k per month, but that would exceed 14k gift tax does that apply?. Another idea is that we can set up a joint account for the auto-pay, and we could each pay 2kmo. into it. Are there gift tax consequences for either of those situations? Otherwise, it looks like Ill have to do manual payments.  <response>: Its not a gift. Its reimbursement for living expenses.If the IRS ever asks doubtful, the proof is that you both have the same address. 