Free Couples Budget Calculator

Finding a Fair Split

There's no one-size-fits-all approach. What matters is that both partners feel the arrangement is fair. Here are the common approaches:

• 50/50: Simple and equal. Works best when incomes are similar or when both partners prefer total equality.
• Proportional: Each partner contributes based on their income. The higher earner pays more, but both have similar "leftover" ratios.
• Custom: Some couples have one person pay all fixed expenses while the other handles variable costs. Find what works for you!

Not sure which split is fair for you? Our guide on how to split bills with a partner runs 50/50, proportional and equal-leftover splits on the same numbers, and covers the irregular bills most splits miss.

Joint vs Separate Accounts

Many couples use a "yours, mine, and ours" approach:

• Joint account: For shared expenses (rent, groceries, utilities)
• Individual accounts: For personal spending and fun money
• Shared savings: For joint goals (emergency fund, vacations)