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Splitting bills, and the three answers people land on

There are really only three ways to split a shared cost, and almost every argument about money between two people who live together is a disagreement about which of them is fair.

Even means the same amount leaves both accounts. Proportional means the same share of each income does. By room, or by use, means the split follows something physical instead — square footage, who works from home, who actually watches the streaming service. None of these is correct in the abstract; they are three different definitions of fairness, and the useful thing is to notice which one each of you has quietly been assuming.

The other half of the problem is not the rule but the applying. Almost nobody gets the rent wrong: it is one number, it is the same every month, and both people know it. What drifts is everything else — the utility bill that moved, the four subscriptions on one person's card, the groceries that were meant to alternate. The posts below cover both halves.

8 posts on this

Splitting bills
How to split the bills when one of you is on parental leaveLeave pay changes what each person earns, usually for months, and usually without either of you renegotiating anything. What to agree before it starts, and what to do if it already has. · 7 min read
Splitting bills
The Google Sheets formula for splitting bills by incomeThe exact formula for a proportional bill split, what each part of it does, a worked example, and the three ways it quietly breaks. · 6 min read
Splitting bills
Should you get a no-questions-asked allowance as an adult?It sounds like something for kids. For two people sharing bills, it's usually the single change that ends the most arguments about money. · 5 min read
Splitting bills
Who pays for what when you have different financial goalsOne of you wants to save aggressively, the other wants to live a little now. Neither is wrong — here's how to structure the bills so it stops being a fight. · 5 min read
Splitting bills
The 50/30/20 rule doesn't work for two incomes — here's what doesThe famous budgeting split assumes one paycheck. Two people with two incomes need a different starting point, and here it is. · 6 min read
Splitting bills
How to split bills when one of you works from homeThe power bill and the internet stop being an even split once one person is home nine hours a day using both. A fairer way to account for it. · 5 min read
Splitting bills
What to do when your partner earns way more than youThe two ways this usually goes wrong, why splitting bills by income only solves half of it, and the conversation that solves the other half. · 7 min read
Splitting bills
How to split rent when you earn different amountsEven splits, proportional splits, and the percentage that ends most of the argument. A practical guide for couples and housemates on unequal incomes. · 6 min read

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Or see it on your own numbers

Pairly holds the rent, the bills and the subscriptions for two people, splits them the way you agreed, and shows the same picture to both of you. No bank connection, no card to start.