An income-based split gives each person the same percentage of shared bills as their share of combined take-home pay. Enter both monthly incomes and the shared bill total to compare this with splitting equally.
Track it in the app →Calculated on your device. Shared links include the amounts you enter.
Worked example: £3,000 and £2,000 take-home pay
Combined income is £5,000. Person 1 earns 60% and person 2 earns 40%. With £1,500 of shared bills, the contributions are £900 and £600. Both contribute 30% of their own income. With an equal split, each contributes £750.
Which bills should be shared?
Include the rent or mortgage payment, utilities and groceries you have agreed to share.
Keep individual subscriptions, personal debts and individual spending separate unless you agree otherwise.
Use monthly take-home income for both people. Convert weekly or four-weekly pay to the same basis first.
Is an income-based split always fair?
It is one option to discuss, rather than a rule. Childcare, unpaid caring, variable earnings and personal commitments can change what feels workable. The calculator compares two methods; it does not decide your arrangement. Review the numbers when income or responsibilities change.
Divide each person’s take-home income by the combined take-home income, then multiply by the rent. The same formula works for an agreed total of shared bills.
Should we use gross or net income?
Use net, or take-home, income after deductions for this household-budget comparison. Use the same time period for both people.
What if one partner has no income?
The formula assigns the full shared bill to the person with income. That is only the mathematical result; agree an arrangement that accounts for care, savings and other circumstances.
Sources and checking
Facts on this page were last checked on 2026-09-14 against: