Bill Split Calculator
Work out a fair way to split shared bills as a couple or with a housemate. Choose 50/50 or a split in line with what you each earn, and see what each of you pays and has left.
Shared bills each month
Everything is worked out in your browser. Nothing you type is saved or sent anywhere.
Each month
of the shared bills
Our Couples Budget & Bill Splitter logs shared spending as it happens and tells you who owes whom each month, in Excel or Google Sheets.
See the Bill SplitterHow the bill split calculator works
Enter what you each take home in a month and list the bills you share. The calculator adds up the bills and splits them one of two ways:
- By income: each person pays the same percentage of their pay, so the higher earner covers a bigger share in pounds
- 50/50: the total is divided evenly, whatever you each earn
It then shows what each of you pays, what you each have left, and how much of your pay goes on shared bills.
The sum behind it
For a split by income, each person's share is their take-home pay divided by both pays added together. Multiply the total bills by that share.
A worked example
Alex takes home £2,600 a month and Sam takes home £1,900. Their shared bills come to £2,100.
| Alex | Sam | |
|---|---|---|
| Take-home pay | £2,600 | £1,900 |
| By income: share | 58% | 42% |
| By income: pays | £1,213.33 | £886.67 |
| By income: has left | £1,386.67 | £1,013.33 |
| 50/50: pays | £1,050 | £1,050 |
| 50/50: has left | £1,550 | £850 |
Split by income, both of them put 47% of their pay towards the bills. Split 50/50, the bills take 40% of Alex's pay and 55% of Sam's.
What the calculator doesn't do
It shows what each person should pay in a typical month. It doesn't keep track of who actually paid which bill, or the one-off shared spending in between, like a takeaway or a food shop. For that you need a running log. Our Couples Budget & Bill Splitter keeps one and tells you who owes whom each month. Our guide on how to split bills as a couple covers the options in more detail.
Frequently asked questions
How do you split bills based on income?
Add both take-home pays together, then divide each person's pay by that total to get their share. Multiply the shared bills by each share. If one person earns 2,600 and the other 1,900, the shares are 58% and 42%.
Is 50/50 or by income fairer?
Neither is right for everyone. A 50/50 split is simple and suits people on similar pay. Splitting by income means you each put in the same percentage of your pay, which many couples find fairer when one earns noticeably more.
Should we use pay before or after tax?
Take-home pay, after tax and other deductions, usually gives the most realistic picture because it is the money you actually have to spend.
Which bills should we include?
Include the costs you both benefit from, such as rent or mortgage, council tax, energy, water, broadband and food. Personal costs like a phone contract, gym or hobbies are usually left out.
Does the calculator save my information?
No. Everything is worked out in your web browser and nothing you type is stored or sent anywhere.
Important: This calculator is a planning tool that works with the figures you enter. It is general information, not financial advice, and it does not take your personal circumstances into account. For free, impartial guidance, visit MoneyHelper.