Type what each of you takes home and what the household spends together. The calculator shows what each person pays when you split by income, and how far that is from 50/50. It works for two people or up to four.
Want this worked out every month, on its own?
Save your split once in SameNest and upload your bank statement: each shared expense is divided by that percentage, and at the end of the month you see who owes whom.
How to use it
Put in take-home pay
Net income, after tax: the money the bills actually come out of. Type it or move the slider.
Add the month's shared costs
Rent, bills, groceries, the subscriptions everyone uses. Leave out what only one person uses.
Send it to the others
The link opens this calculator with your numbers already in, so they can try their own version.
How to split bills when one person earns more
Add up both take-home pays, work out each person’s share of the total, and apply that share to every shared bill.
Worked example · One earns more
$3,300 and $2,200 take-home · $1,500 of shared bills
Together that's $5,500, so the shares are 60% and 40%. On $1,500 of bills, one pays $900 and the other $600, instead of $750 each. Both now put the same 27% of their pay into the house.
50/50 or a proportional split?
If you earn about the same, a 50/50 split is simpler and nobody notices the difference. Once one person earns noticeably more, 50/50 means the other one hands over a much bigger slice of their pay. A proportional split, by income, fixes that: everyone puts in the same percentage.
It works the same for housemates: add up to four people and split the rent and the bills by what each of you earns.
Rooms that aren’t the same size are a different question, and the room-weighted method in how to split rent and utilities fairly handles it. For couples deciding between a joint account and separate ones, start with how to manage household finances as a couple.
What to count as shared
Anything that benefits everyone who lives there: rent or mortgage, utilities, internet, shared groceries, cleaning supplies, repairs. A gym, a personal phone plan or one person’s car usually stay personal. The grey areas, and the five arguments that come back every month, are in the full guide to shared household expenses.