Split Bills with Your Partner.Evenly, or in proportion to income.
Keep one shared ledger for rent, groceries, and subscriptions — split 50/50 or in proportion to what each of you earns. Set the recurring ones up once, see a single clean balance at any moment, and settle up whenever suits. Free, with no ads and no subscription.
Couple’s bill split calculator
Split shared costs between two people — evenly, or in proportion to what each of you earns.
Set each person’s percentage — useful for splitting in proportion to income.
Enter a shared monthly costs to see the split.
- You$0.00
- Partner$0.00
- Shared monthly costs
- $0.00
- Total
- $0.00
Household money, without the monthly spreadsheet.
FamZam keeps a shared ledger for the two of you — rent, groceries, subscriptions — and shows one clean balance at any moment.
Why couples use FamZam
Proportional splitting, built in
Set each person’s percentage once and every shared cost splits that way. Someone earning 65% of the household income pays 65% of the rent, without a monthly recalculation.
No monthly spreadsheet
Rent, groceries, subscriptions, and insurance all live in one balance that updates as you go. Nobody keeps a running tally in their head about who paid for the last shop.
Free, with nothing to upgrade to
No ads and no paid tier, so there’s no premium feature waiting behind the one you need. Every feature is free from day one.
How to split bills with your partner
- 1
Agree what counts as shared
Rent, utilities, groceries and household goods obviously. The arguments live at the edges — one person’s car, a gym membership, a pet. Decide the list once.
- 2
Pick even or proportional
Within about 20% of each other’s take-home pay, split evenly. Beyond that, set percentages based on each income.
- 3
Add the recurring costs once
Rent, energy, internet, subscriptions, insurance. FamZam repeats them every month so neither of you has to remember.
- 4
Settle whenever suits
One balance, one payment, over UPI or any payment app. No itemised reckoning required.
Getting the split right
Use take-home pay, not gross
Gross includes tax and pension contributions that never reach the bank. If one of you contributes far more to a pension, decide explicitly whether that counts as personal saving — it’s a benefit accruing to one person.
Proportional equalises what’s left, not what goes out
On take-home of £4,000 and £2,000 with £2,000 of shared costs, a 50/50 split leaves £3,000 and £1,000. Proportional leaves £2,660 and £1,340. Nobody is subsidised — the burden just tracks capacity.
Consider the three-account system
Yours, mine, and a joint one. Both of you pay your agreed share into the joint account by standing order on payday, and every shared bill comes out of it. Whatever’s left in your own account is genuinely yours.
Review it once a year
And after any raise, job change, or move. The most common failure isn’t choosing the wrong system — it’s leaving a good one in place three years after the incomes it was built on stopped existing.
The conversations worth having
What if one of us stops earning?
Agree this while it’s hypothetical, because it’s the hardest conversation to start once it’s real. Under a proportional split it handles itself — 0% of the income means 0% of the bills — and having agreed early stops it feeling like a favour.
What about student loans and money sent to family?
Take them off the top before calculating percentages, if you both agree. Someone earning £4,000 who sends £800 to family has £3,200 of real capacity, and treating it as £4,000 quietly makes them the lower earner in practice.
One of us bought the sofa. Is that shared?
Decide whether shared goods are shared costs or personal purchases before you buy the next one. The awkward version is splitting furniture and then separating, so agree what happens to it at the same time.
We keep forgetting to log the small stuff
Then don’t. Route small shared spending through a joint account or one card and split the total, rather than logging forty £6 items. Precision you won’t maintain is worse than a system you will.
Is 50/50 or proportional actually fairer?
There’s no arithmetic that settles it. 50/50 says the household is a partnership of equals; proportional says the burden should track capacity. Both are coherent, and couples fall out because each assumed the other held their view. Say which one you believe out loud.
Frequently Asked Questions
How should couples split bills when one earns more?
Split in proportion to take-home income. Add both incomes, work out each person’s percentage, and pay that percentage of every shared cost. Someone earning 65% of the household total pays 65% of the rent, which leaves both partners with a proportionally similar amount of discretionary money.
Is splitting 50/50 fair if we earn different amounts?
It is fair when incomes are within roughly 20% of each other. Beyond that, the same absolute contribution takes a very different share of each person’s income, and over a few years the gap compounds into a real difference in savings and freedom.
Should we use gross or take-home pay to calculate the split?
Take-home, after tax and pension, because that is the money that actually pays bills. If one partner contributes much more to a pension, decide explicitly whether that counts as personal saving.
What is the three-account system?
Each partner keeps a personal account and both pay an agreed amount into a joint account by standing order on payday. Every shared bill is paid from the joint account, and whatever remains personally is yours to spend without discussion.
Can FamZam handle recurring shared costs?
Yes. Add rent, utilities, and subscriptions once and they split automatically each month at your agreed percentages, so neither of you re-enters the same costs twelve times a year.
How often should couples review how they split bills?
Once a year, and after any raise, job change, or move. The usual failure is not picking the wrong method but leaving a good one running long after the incomes behind it changed.