Couples' fair-share calculator

How the fair share is worked out

1. 01 — Your shared bills are added into one monthly total.
2. 02 — Each person's share is their income divided by the combined income:your share = your income ÷ (your income + their income)
3. 03 — That percentage is applied to the shared total, then subtracted from each income to show what is left for savings and personal spending.

Questions people ask

How do couples split bills fairly when one earns more?

Split each shared bill in proportion to income instead of down the middle. If one partner brings in 60% of the household's take-home pay, they cover 60% of the shared costs — so the bills take a similar bite out of each income.

Should we use gross salary or take-home pay?

Take-home pay. Tax rates, pension contributions and student loan repayments differ between people, so net pay is the money that actually arrives and the fairer basis for a split.

What counts as a shared bill?

Anything you would both still pay if you lived together and nothing else changed: rent or mortgage, utilities, internet, groceries, household insurance, shared transport. Personal subscriptions, individual debt and personal spending stay out of it.

Is a 50/50 split ever the right answer?

Yes — when incomes are close, or when you both prefer the simplicity and neither feels squeezed. The calculator shows both numbers so you can see how far apart they are before deciding.

What about savings and personal money?

Handle them after the shared split. Once each person's fair share is paid, what is left is theirs to save or spend — which is exactly the number this tool shows in the 'keeps' figure.

Do you store our incomes?

No. Everything runs in your browser and nothing is saved or sent anywhere unless you choose to share the result yourself.