Income Splitter
monthly take-home.
Enter both incomes to see your fair split.
Why proportional splitting works
Most couples split bills 50/50 without thinking about it — same house, same costs. But if one of you earns meaningfully more, a straight split can quietly create tension. A proportional split means each person contributes the same percentage of their income, so you're both making the same relative sacrifice. It also adjusts naturally if one income changes.
What counts as take-home pay?
Use the amount that actually lands in your bank account each month — after income tax, National Insurance, pension contributions, student loan repayments, and any salary sacrifice schemes. Check a recent payslip rather than estimating from your salary.
Does it have to apply to everything?
Some couples use proportional splitting only for fixed shared costs — mortgage, council tax, utilities — and keep personal spending separate. Others apply it to everything. There's no right answer; what matters is that you've both agreed on it. If you're unsure, try it for fixed costs only and review after three months.
Once you know your split, see exactly what you can afford on your combined income.
Try the calculator →