Money for couples
Split bills by what you each earn.
A fair starting point from your two incomes. Then Fairly helps you adjust for real life, together, without a spreadsheet and without a bank connection.
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- No bank connections
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Income-based split calculator
Free. Runs in your browser. Nothing is stored or sent.
You
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Partner
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This is just the starting point
Real life isn't only incomes. In Fairly you can adjust the split for:
- Family & home
- Work-to-income balance
- Personal fixed costs
- Studying / training
How it works
Three steps to a split you both agree on.
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Step 1
Start from your incomes
Enter what each of you earns. Fairly works out a fair starting share, so you both put in the same percentage of your income.
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Step 2
Adjust for real life
Household work, caring duties, studying, personal fixed costs. Tune the split with life factors, and see exactly what each one changes.
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Step 3
Agree it together
Nothing is hidden. Both of you see how the number was reached, so the conversation is about the facts, not about who feels what.
Private by design
Just the two of you and your numbers.
Money is personal. Fairly is built to need as little from you as possible.
No ads
No trackers. No analytics.
No subscription
No monthly fees. No renewals.
No bank connections
No account needed. You type the numbers.
100% local
Stays on your phone. Works offline.
Is 50/50 fair?
Same amount isn't the same effort.
Splitting everything 50/50 is simple. But when incomes differ, an equal amount takes a much bigger bite out of the lower earner's pay. Splitting in proportion to income means you both contribute the same percentage.
It's a starting point, not a verdict. Some couples keep it exactly as it is; others adjust it for the things income doesn't show.
Example · incomes £3,000 and £2,000 · shared costs £1,500
50/50
£750 each
25% of the higher income
37.5% of the lower income
Proportional
£900 and £600
30% of the higher income
30% of the lower income
FAQ
Common questions about splitting expenses
How do couples split expenses fairly?
Many couples split shared costs in proportion to income, so the partner who earns more contributes a larger share and both put in the same percentage of what they earn. Some then adjust for real life, such as unpaid household work, caring duties or studying.
Is a 50/50 split fair?
It's simple, and it works well when incomes are similar. When they aren't, an equal amount takes a bigger share of the lower earner's income. With £3,000 and £2,000 incomes, a 50/50 split of £1,500 means 25% of one income and 37.5% of the other.
How do we split bills based on income?
Add both incomes, work out each person's share of the total, then multiply that share by your shared costs. With £3,000 and £2,000, the shares are 60% and 40%. Or use the calculator above and it does the sums for you.
What does splitting proportionally mean?
Each person pays the same percentage of their own income towards shared costs, rather than the same amount.
How can we split household expenses fairly?
Start from an income-based split, then talk through anything that makes it feel off: one of you doing more at home, caring for family, or studying. Fairly lets you agree those adjustments openly and see what each one changes.
General information and a calculation tool, not financial advice.
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