Fair mortgage and bills split for couples with different incomes
See a clear monthly total, choose a fair split, and stress test whether it still works if rates rise or one income drops.
UK-focusedNo signupPrivate — no data stored
How it works
A calm, three-step flow designed for confidence — not overwhelm.
1) Enter the numbers
Take-home pay, property price, deposit, mortgage term/rate, and shared costs.
2) Choose a split
Compare proportional, 50/50, or custom (e.g. 66/33) without judgement.
3) Stress test it
See rate rises and one-income scenarios to check resilience.
Why couples use this
Built to reduce anxiety with clear, transparent outputs.
Fairness
“Who pays what?” made explicit — with leftovers shown for both people.
Resilience
“Works if one income drops?” and “what if rates rise?” in one place.
Shared understanding
Share a link to discuss options together, without spreadsheets.
FAQ
Quick answers. Deeper explanations on the FAQ page.
Popular guides to explore next
Mortgage & bills split calculator
Run your numbers live and share a scenario link.
50/50 vs proportional vs custom splits
Choose a split that feels fair and stays sustainable.
Split the mortgage by income (UK)
Proportional splits explained with worked examples.
Proportional bills split calculator guide
Turn take-home pay into a clean monthly split.
66/33 vs 50/50 split for couples
When a custom split beats proportional (and when it doesn’t).
Stamp Duty (SDLT) calculator for couples
Standard vs first-time buyer relief + surcharges.
60/40 bills split guide
A simple compromise between 50/50 and proportional.
70/30 bills split guide
When a fixed split makes sense (and how to validate it).
75/25 bills split guide
For very different incomes: keep leftovers and resilience in view.
Should we split the mortgage 50/50?
A simple decision framework using leftovers and stress tests.
Tip: open a guide in one tab and the calculator in another to compare options quickly.