Calculate how much each person should contribute to shared expenses based on their income
Discover how much you need to save each month to reach your financial goals in your desired timeframe.
Distribute your monthly income with the proven method: 50% needs, 30% wants, 20% savings.
Calculate how much you need in your emergency fund for 3, 6, or 12 months of protection.
Save your calculations, track monthly expenses, and see your savings progress in real-time.
Our calculator uses the proportional split method, backed by personal finance experts as a fair way to share expenses as a couple.
The formula is simple: we calculate what percentage of total income each person represents, and apply that percentage to shared expenses.
A 50/50 split can be unfair when there are income differences. If one earns double, paying the same means the lower earner sacrifices a larger percentage of their salary. Proportional splitting ensures both make the same relative effort.
Include expenses that benefit both: rent/mortgage, utilities (water, electricity, internet), household groceries, shared insurance, and joint entertainment. Exclude purely personal expenses like individual clothing or hobbies.
Yes. If one person has no income (due to unemployment, studies, homecare), their percentage will be 0% and the other person covers 100%. You can adjust this manually as agreed.
We recommend handling savings separately. First split the necessary expenses, then each person allocates a percentage of their remaining income to savings, whether individual or shared.
Recalculate when income changes (raise, job change, bonuses) or when shared expenses change significantly (moving, new services).
Fair expense splitting is key to a healthy financial relationship. Learn the proportional method that considers each person's income.
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