💑 Couples Finance Split
Find the fairest way to split shared expenses — three models, real numbers.
Who's splitting?
Monthly take-home income
₹1.2L/mo after tax
₹80K/mo after tax
Household income split
Combined: ₹2.0L/mo
Total shared monthly expenses
Rent · groceries · utilities · joint lifestyle costs
Model 1
50 / 50 Split
Each partner pays exactly half, regardless of income.
Partner A contributes
25% of Partner A's income
₹30K
Partner B contributes
38% of Partner B's income
₹30K
Partner A's personal money
₹90K
Partner B's personal money
₹50K
Model 2
Proportional Split
Each contributes in proportion to their income. More equitable.
Partner A contributes (60%)
30% of Partner A's income
₹36K
Partner B contributes (40%)
30% of Partner B's income
₹24K
Partner A's personal money
₹84K
Partner B's personal money
₹56K
Both partners retain the same 70% of their own income as personal money — perfectly equitable.
Model 3
Equal Guilt-Free Money
Both partners end up with identical personal spending money.
Both partners get
₹70K
personal / guilt-free money each month
Partner A puts into joint pool
42% of Partner A's income
₹50K
Partner B puts into joint pool
13% of Partner B's income
₹10K
The higher earner contributes more to the joint pool — but both walk away with exactly the same amount to spend guilt-free. No resentment, no awkward money talks.
Model comparison — Partner A's personal money left
What's next?
Now that your monthly budget is set — plan your next big move.