Free calculator
Split bills by income calculator
Short answer
To split bills by income, add up everyone's take-home pay and work out each person's share of the total. Each person then pays that same share of the shared bills. If you bring home 60% of the household pay, you pay 60% of the bills, and you both keep the same share of your pay.
Example
Each person pays a month
Add take-home pay for at least one person to see the split
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A worked example
Example: Sam takes home £2,400 a month and Alex £1,600. Together that is £4,000, so Sam brings home 60% and Alex 40%. With £1,500 of shared bills a month, Sam pays £900 and Alex £600. Split 50/50, each would pay £750.
After the bills, Sam keeps £1,500 and Alex keeps £1,000 in the example: 62.5% of each person's pay. With a 50/50 split, Sam would keep £1,650 and Alex £850.
How the calculator works
- It adds up everyone's take-home pay.
- It works out each person's share: their pay divided by the total.
- It turns every bill into a monthly figure: weekly bills times 52 divided by 12, yearly bills divided by 12.
- Each person pays their share of the monthly total. Amounts are rounded to the penny, and any penny left over goes to the last person so the shares always add up to the bills.
Bills only one of you uses
Only the bills you share belong in the calculator: rent, council tax, energy, water, broadband and anything else you both use. Each person pays their own phone contract, gym and personal subscriptions.
When a 50/50 split can suit you
If you earn about the same, an income split and a 50/50 split come out close, and paying the same amount is simpler. When your pay is very different, the two options leave you with different amounts after the bills. Which one you choose is up to you both. The toggle above shows either one.
Questions
How do you split bills by income?
Add up everyone's take-home pay, then divide each person's pay by that total to get their share. Each person pays their share of the shared bills. With £2,400 and £1,600 of take-home pay, the shares are 60% and 40%.
Is an income split or a 50/50 split better?
Both are common, and the choice is yours to make together. With an income split, each person keeps the same percentage of their pay after the shared bills. With a 50/50 split, each person pays the same amount, so the lower earner keeps less. The calculator shows both side by side.
Should we use take-home pay or salary before tax?
This calculator uses take-home pay, the money that actually reaches each bank account after tax and other deductions, because that is what the bills are paid from.
What about bills only one person uses?
Keep them out of the shared list. A personal phone contract, a gym membership or one person's subscriptions are paid by that person, and only the bills you both share go into the calculator.
Does Billo split bills?
No. Billo keeps every bill and its due date in one list and reminds you 3 days before each one is due. It does not split amounts between people, and this calculator does that part.
Guides on splitting bills
- Moving In Together: How to Split Bills Fairly (UK)
- How to Split Bills as a Couple When You Move In Together
- House Share Bills: How to Split Bills With Housemates (UK)
- How to Split Bills With a Roommate (Rent, Utilities, Internet)
More free tools: What's left after bills calculator