Features — Income-based splitting
When one person earns €3,200 and the other €1,900, a 50/50 split is not equal — it just looks like it. SharedNest splits every shared expense in proportion to income, so both people feel the same weight.
In short
Income-based splitting divides a shared cost in proportion to each person's income instead of evenly. If one partner earns 60% of the household income, they cover 60% of the shared bill. SharedNest applies that ratio to every expense automatically, corrects rounding to the cent, and still lets you override any single item.
Works in euro, US dollar and pound sterling, with a base currency per household and a display currency per person.
An even split takes the same number of euros from both people but a very different share of what they have. On a €1,400 rent, €700 each leaves the lower earner with far less breathing room, and that gap compounds every month until it turns into resentment.
Most couples notice the problem long before they name it. One person starts declining dinners out, or quietly puts a bill on a credit card, and the conversation about money becomes a conversation about fairness instead.
Proportional splitting removes the negotiation. Once the ratio is set, it applies to everything shared, and nobody has to argue their case item by item.
You enter each person's net monthly income once. SharedNest turns those figures into a percentage ratio and applies it to any expense you mark as shared, showing each person's exact share before you save.
Anything the household pays for together: rent or mortgage, utilities, groceries, insurance, childcare, streaming subscriptions, holidays, and one-off purchases like a washing machine.
Some households split fixed costs by income and keep discretionary spending even — that mix is supported too, because the split rule lives on the expense, not on the account.
Yes. Custom shares let you assign a percentage or an exact amount to each member, so three flatmates on different salaries, or a household with an adult child contributing part of a wage, all work the same way.
Two partners earn €3,200 and €1,900 net per month, a total of €5,100. That is a 62.7% / 37.3% ratio.
Under a 50/50 split the lower earner would pay €1,025 — 54% of their income, against 32% for their partner. Proportional splitting puts both at roughly 40%.
The three ways households usually handle this, side by side.
| Spreadsheet | Bill-splitting app | SharedNest | |
|---|---|---|---|
| Income-weighted splits | Manual formulas | Rarely supported | Built in |
| Running balance | You maintain it | Yes | Live, always current |
| Private spending | Not separated | Everything is shared | Stealth expenses stay yours |
| Recurring bills | Re-typed monthly | Limited | Projected and one-click paid |
| Insight on the numbers | None | Basic charts | AI advisor on your own ledger |
No. A transfer patches the gap after the fact and usually gets forgotten. Income-based splitting sets each person's share at the moment the expense is logged, so the balance is already correct.
Use net income — what actually lands in each account after tax and mandatory deductions. It reflects real capacity to pay, especially where partners have different tax situations or work in different countries.
Update the figures when they change, or use custom shares for that month. Freelancers often set the ratio from a rolling three-month average and adjust quarterly.
Yes. Mark an expense as private and it stays in your own view only — it is never split, never shown to other members and never appears in the shared balance.
Yes. Each household picks a base currency from euro, US dollar or pound sterling, and each member can choose how amounts are displayed.
Every feature is currently free while the product is being built, including proportional splitting, the shared ledger and the household advisor.
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.
