Bill Splitter: Split Household Bills Fairly
Work out exactly who pays what on rent, council tax, energy and every other monthly bill. Split equally, or fairly by income, with no spreadsheet in sight.
Always free. No signup, no card, no time limit. Saving and ongoing tracking are optional.
Who's splitting?
Income is only needed for the "by income" split. It never leaves your browser.
The bills
Who pays what
14 days free, no card. Then £3/month solo or £5/month for shared household logins.
You
50% of the total
£620.00/mo
Partner
50% of the total
£620.00/mo
Your split is sorted. Keep the whole household on track.
Save these bills as repeating outgoings, add income and monthly spending allowances, and see what's left until payday. Add due dates for bill reminders.
£5/month for your whole household. Separate logins, shared budgets and who pays what. Unlimited members, no per-person fees. Or £3/month solo.
14 days free, no card. Your figures carry through signup.
The share link reopens this exact split for whoever you send it to. Nothing is stored on our servers.
Stop redoing this every single month
Save these bills as repeating outgoings. Add your income and spending allowances to see what's left until payday. On the Household plan, invite the people you live with to share budgets and track who pays what.
Auto-repeats monthly
Your bills stay in your monthly plan. Update an amount when a price changes.
One shared dashboard
£5/month for your whole household, with separate logins and unlimited members.
14 days free, no card
No bank connection needed. Try it with your own figures, then choose your plan.
After your trial: £3/month solo or £5/month for your whole household.
How to split bills fairly
The two fairest ways to split household bills are equally and by income. An equal split divides every bill by the number of people, simple and ideal when everyone earns about the same. A proportional split shares costs based on what each person earns, so a higher earner pays a bigger slice and the bills feel equally affordable to everyone.
For couples where one person earns significantly more, splitting utility bills by income is usually the fairest option. For housemates and flatshares, an equal split of shared bills tends to work best. Whichever you choose, the calculator above shows the exact monthly amount each person owes, and the share link lets you send the result straight to whoever you live with.
A worked example
Say the household bills come to £1,500 a month. One person takes home £2,400, the other £1,600, so £4,000 between them.
| Person | Take-home | Equal split | By income |
|---|---|---|---|
| Higher earner | £2,400 | £750 | £900 (60%) |
| Lower earner | £1,600 | £750 | £600 (40%) |
Under the equal split, the lower earner hands over 47% of their pay while the higher earner gives up 31%. Under the income split, both contribute 37.5%. Same total, very different feeling at the end of the month.
Splitting by income is the method most UK households settle on once the pay gap is noticeable. There is a dedicated split bills by income calculator with worked examples if that is the route you are taking.
Not sure what your total actually is? Use the household bills calculator to add everything up first, then bring the total back here to divide it.
Household bills, not nights out
This tool is for the bills that repeat: rent or mortgage, council tax, energy, water, broadband, insurance and subscriptions. Those are the ones worth getting right once, because the same split applies every single month.
Splitting a restaurant bill or a group holiday is a different job. Those amounts change every time and get settled on the spot, so a group expenses app suits them better. What this handles is the standing arrangement between the people you live with.
Want help choosing a method before you split the bills? Read our guide to how to split household bills fairly, including equal shares, income-based bill splitting and utility costs.
Using Splitwise for the rent and utilities? See how a Splitwise alternative for household bills handles the same costs every month without logging each one.
Add this calculator to your site
Run a blog, forum or flatshare site? Embed the Fair Bill Splitter for free. Copy the snippet below and paste it anywhere, it's fully interactive for your readers.
<iframe src="https://thelifebuddy.co.uk/embed/bill-splitter" title="Fair Bill Splitter by The Life Buddy" width="100%" height="880" style="border:0;border-radius:16px;max-width:640px" loading="lazy"></iframe>Free to use. A small "Powered by The Life Buddy" credit links back to this page.
Bill splitting questions
Is the bill splitter free, or does it stop after 14 days?
The calculator is always free, with no signup or time limit. The 14-day trial is for the separate Life Buddy app: saving repeating bills, adding budgets and tracking your household. After the trial, the app costs £3/month solo or £5/month for shared household logins. The calculator stays free whether you subscribe or not.
What is the fairest way to split household bills?
There are two fair approaches. Splitting equally works when everyone earns roughly the same. Splitting by income (proportional) is fairer when earnings differ. Each person pays the same percentage of their pay, so the bills feel equally affordable to everyone. This calculator does both instantly.
How should couples split utility bills if one earns more?
Split proportionally to income. If one partner earns £2,000 and the other £1,000, the higher earner covers two-thirds of the bills. It keeps things fair without anyone feeling stretched. Switch this tool to 'By income' to see the exact amounts.
How do you split bills between housemates?
For flatshares, an equal split is usually simplest and fairest, since everyone uses shared spaces similarly. Add each housemate and every shared bill above and the calculator shows exactly what each person owes per month.
How can I track split bills every month automatically?
This calculator is a one-off snapshot. The Life Buddy saves your people and bills, repeats them every month, assigns who pays what, and shows everyone the same shared dashboard, so you never recalculate or chase anyone again.
Is this for household bills or for splitting a restaurant bill?
This is built for recurring household bills: rent, council tax, energy, water, broadband and the rest. It works out who pays what every month. If you need to split a one-off meal or a night out between friends, a group expenses app is a better fit, because those splits change every time.
Should we split bills by room size?
Room-size splits are common in flatshares where one bedroom is much bigger or has an en suite. A simple approach is to split shared bills like energy and broadband equally, then weight only the rent by room size. Work out each room's percentage of the total floor space and apply that to the rent.
What if one person works from home?
Working from home pushes up energy use, so many households add a small fixed contribution, often £10 to £30 a month, on top of an otherwise equal split. Agree the figure openly and revisit it when the seasons change, because winter heating is where the gap shows up.
How do I work out a percentage of bills based on salary?
Add up everyone's monthly take-home pay, then divide each person's pay by that total. That's their percentage. Multiply the total bills by it. On £2,400 and £1,600 take-home, the split is 60/40, so £1,240 of bills becomes £744 and £496. Switch the calculator to 'By income' and it does this for you.
How do couples split household bills in the UK?
Most UK couples use one of three set-ups: a straight 50/50 split, a split by income percentage, or a joint account both pay into for shared bills. If your incomes are close, 50/50 is fine. If one of you earns noticeably more, splitting by income keeps it fair.