Fair splits

Different splits optimize for different goals. The “best” split is the one you both agree feels fair and sustainable.

50 / 50

Simple and symmetrical.

Each person pays half of total housing cost.

Works well when take-home pay is similar and you want equal contribution.

Proportional

By take-home pay share.

A pays: total · (income A / (income A + income B)).

Useful when incomes differ and you’re aiming for similar “leftovers”.

Custom

Any % split you choose.

Good for arrangements like 66/33, deposit offsets, or temporary splits during career changes.

Use the leftovers to sanity-check if it still feels sustainable.

Related guides

Run your numbers live and share a scenario link.

Proportional splits explained with worked examples.

Turn take-home pay into a clean monthly split.

When a custom split beats proportional (and when it doesn’t).

A simple compromise between 50/50 and proportional.

When a fixed split makes sense (and how to validate it).

For very different incomes: keep leftovers and resilience in view.

A simple decision framework using leftovers and stress tests.

Proportional vs 50/50 vs custom, explained without judgement.

A neutral comparison of split rules and outcomes.

Tip: open a guide in one tab and the calculator in another to compare options quickly.