Couple's Shared Expenses Split Calculator

Who this is for

Joint bills, split the way you agree. Enter both net incomes, list the shared costs, and choose for each one whether it is split equally, in proportion to income or paid by one of you. The sheet works out each share, what each of you pays into the joint account and what is left of each income afterwards.

Couples setting up or reviewing a joint account, partners on different incomes working out a split that feels fair to both, and anyone moving in with a partner for the first time.

What this helps you track

• Each person's net income and share of the two together
• Every shared bill and how it is split
• Each person's share of each bill, as money and as a percentage
• What each of you pays into the joint account each month
• What is left of each income once the joint costs are covered

How to use it

1. Write both names and each person's net monthly income, as it arrives in the bank.
2. List every shared cost with its monthly amount. Divide yearly bills by twelve first.
3. Choose a split for each line: equal, by income, or all paid by one of you.
4. The shares, the contributions and what is left are worked out in the browser and the workbook; on paper, use the note under the table.
5. Agree the two monthly contributions and set up the transfers into the joint account.
6. Look at the sheet again whenever an income or a bill changes.

Formats

• Printable PDF (A4 and US Letter)
• Fillable PDF with form fields
• Fill in online, saved in your browser
• Excel / Google Sheets workbook

The printable is laid out inside a box that fits both A4 and US Letter, so the two files are identical and neither one is scaled. The fillable PDF has real form fields. The workbook uses plain formulas only — SUM, IF, COUNTIF and the like — so it opens in Excel, LibreOffice and Google Sheets without anything breaking, and every calculated cell is grey so you can see which figures it worked out.

How to print

Download the A4 or US Letter file to match the paper in your printer, open it in a PDF reader and print at 100% — not "fit to page", which shrinks the writing space. Both files leave a 14 mm margin, which clears the unprintable edge on home printers. To print the online version with your entries in it, use the Print this sheet button, which prints only the sheet and none of the page around it. More on printing.

Questions

What does splitting by income mean?

Each person pays the same percentage of their own income rather than the same amount. If one of you brings in more of the joint income, that person pays that larger share of the bill. The A% column shows the result for each line.

Should we split everything the same way?

That is for the two of you. Some couples split bills by income and personal treats equally, or have one person cover a cost linked to them. The sheet lets you choose line by line.

Which income should we use?

Net income, as it lands in each account, is the usual choice because it is the money actually available. Whatever you choose, use the same basis for both of you.

What about irregular income?

Use a figure you are both comfortable with, such as a cautious monthly average, and revisit it when the real figures come in. The sheet takes whatever you enter.