Free Bill Split Calculator: Even or By Income
Splitting rent and bills with a roommate or partner? Enter the shared monthly bills and each person's take-home pay to compare an even 50/50 split with a split based on income.
It runs in your browser. Nothing you type is saved or sent anywhere. The numbers filled in below are a made-up example; change them to yours.
How the math works
- 50/50: each person pays total shared bills ÷ 2.
- By income: Person A's share = A's income ÷ (A's income + B's income). Each person pays their share × total bills, so you both put in the same % of what you earn.
- Roommates often split 50/50 (or by room size); couples often split by income. Neither is "right"; pick what you both agree is fair and write it down.
Example (made up): $1,600 rent + $180 utilities + $70 internet + $30 streaming = $1,880 a month. 50/50 is $940 each. With take-home pay of $4,000 and $2,500, the by-income split is about $1,156.92 and $723.08, or about 28.9% of each person's pay.
This is an estimate for planning, not financial or legal advice.
Keep track of who paid what
The Monthly Bill Tracker ($5) keeps every bill in one place, with a due-date calendar, a 12-month paid checklist and overdue bills highlighted in red. Works in Excel and Google Sheets.
Get the bill tracker on Gumroad – $5
This template is also in the Complete Household Money Bundle (what's inside): all 13 home money spreadsheets for $29 (about $69 if bought one by one).
We make this template, so take that into account. The calculator above is free to use either way.
Related free guides
- How to Split Bills With a Roommate or Partner
- How to Track Your Bills So Nothing Is Late
- How to Make a Bill Payment Calendar (Example Month)
- How to Lower Your Monthly Bills (Call Script + Checklist)
More free tools: all calculators.
See all Cedar & Ledger templates