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About this tool
Compare equal, income-proportional and equal-leftover ways for a two-income couple to share household expenses fairly.
This tool divides a two-income household's shared expenses three ways and shows what each one costs each partner: an equal 50/50 split, a proportional split where both contribute the same percentage of available income, and an equal-leftover split solved so both end the month with identical spending money. Available income means take-home pay minus each partner's own non-shared commitments, such as an education loan or money sent to parents, so the ratio reflects what is actually spendable. It is for couples, flatmates and family members who share bills but not paycheques and want the arithmetic settled before the conversation starts.
Open Two Income Household Money Split Tool on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
See what equal, proportional and equal-leftover each actually cost before choosing.
Shows the spending money each partner is left with — the number arguments are really about.
Personal loans and family support are removed before the ratio is calculated.
The most common fair method is proportional: each partner pays the share of the bills that matches their share of combined income. If one earns Rs 90,000 and the other Rs 60,000, the higher earner covers 60% of shared costs and the lower earner 40%, so both give up the same percentage of their pay rather than the same number of rupees.
It is equal but not equitable. On a Rs 60,000 shared bill split down the middle, someone earning Rs 60,000 a month hands over 50% of their income while someone earning Rs 90,000 hands over 33%, leaving the lower earner with half as much discretionary money. A 50/50 split works well when incomes are close and becomes uncomfortable as the gap widens.
It sets each contribution so both partners finish the month with the same absolute spending money, by solving contribution A = (shared expenses + A's available income − B's available income) ÷ 2. On Rs 90,000 and Rs 60,000 incomes with Rs 60,000 of shared bills, the higher earner pays Rs 45,000 and the lower earner Rs 15,000, leaving both with Rs 45,000. It is the most redistributive of the three and works best when finances are fully merged.
Either works with any of these methods. A common arrangement is a joint account for shared bills that both fund by standing instruction in the agreed ratio, with the rest staying in individual accounts, which keeps the split explicit and leaves each partner autonomous spending money. What matters more than the structure is that the ratio is revisited whenever either income changes.
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