01
Talk about the numbers
Look at both incomes and all shared costs together, once. Most money arguments are really about unspoken assumptions.
Fair split for couples
Split the bills, not the mood.
50/50 sounds fair – until one partner earns a lot more. Enter both incomes and the shared costs, and compare three fair ways to split them.
- No sign-up
- Stays on this device
- Free
Net incomes per month
Net income per month
€
Net income per month
€
Shared costs per month
Everything paid together – change, remove or add as needed.
Rent or mortgage
€Energy & utilities
€Groceries
€Internet & TV
€Household insurance
€
How to split?
All three models, side by side
| Model | Partner 1 pays | Partner 2 pays | Partner 1 keeps | Partner 2 keeps |
|---|---|---|---|---|
| 50 / 50 | €990 | €990 | €2,010 | €1,010 |
| By income | €1,188 | €792 | €1,812 | €1,208 |
| Equal leftover | €1,490 | €490 | €1,510 | €1,510 |
Make it work
Fair isn't a formula – it's an agreement.
02
Keep some money personal
Whatever the model, each partner keeps an amount to spend without explaining. It prevents a lot of small resentments.
03
Agree on a threshold
Above a set amount – say €200 – shared purchases get a quick check-in first. Below it, nobody needs to ask.
04
Revisit it once a year
A new job, a child, a move: when life changes, the fair split does too. A yearly check keeps it fair for both.
A shared budget, without the spreadsheets.
Track shared and personal spending in Money Koi – each partner on their own phone, nothing uploaded to anyone's cloud.
Get it onGoogle PlayComing soonApp Store