Guides and calculators
Sharing money with others, without the headache
Practical guides, free calculators and a budget template to split expenses as a couple, work out what is left over each month, build a family budget, share kids’ costs or split bills with roommates. Every method comes with a worked example.
- Calculator
Split expenses by income: the proportional split calculator
Work out each partner’s fair share of shared costs based on income, in percent and dollars, and compare 50/50, proportional and mixed splits. Formula and example.
Read the guide How couples split expenses: 50/50, by income or a joint account
50/50, split by income, joint account or a mix: how couples can split expenses fairly. Pros, cons and worked examples of each method.
Read the guideJoint account or separate accounts? Managing a couple budget without a joint account
Joint account, separate accounts or both: pros, risks and alternatives. How to manage a couple budget without a joint bank account.
Read the guideHow to make a family budget: method, categories and tools
How to build a family budget in 5 steps: income, fixed costs, spending categories, savings and tracking. Example categories and tools to stick with it.
Read the guide- Calculator
How to split rent and bills with roommates when rooms are different sizes
Free calculator: split rent with roommates by bedroom size and share bills equally. Method, formula and worked example.
Read the guide Best budget apps for couples in 2026: the comparison
Tricount, Splitwise, Honeydue, Bankin’, Sumeria or SAVY: which app to manage money as a couple in 2026? Features, free plans and bank connection compared.
Read the guideFree couples and family budget template (Google Sheets / Excel)
Download a free couples and family budget spreadsheet for Google Sheets or Excel: income, fixed bills, spending, a split by income and a who-owes-who summary.
Read the guide- Calculator
A couple’s monthly budget: how much do couples spend, and what is left over?
How much does a couple spend per month? Official averages, how to work out your money left over after fixed costs, and a free calculator per person and per month.
Read the guide Joint bank account as an unmarried couple: what to know first
Opening a joint account when you are not married: shared liability, what happens if you split up, and the alternative of separate accounts plus a shared budget app.
Read the guideBudget app without linking your bank account: why, and which ones
A budget app with no bank sync: pros, real limits and an honest comparison of SAVY, Shareroo, Tricount and Splitwise for manual expense tracking.
Read the guideBlended families and shared custody: splitting the kids’ costs
School lunches, activities, medical bills, child support: how separated parents can split child costs in shared custody or a blended family, and track them calmly.
Read the guideTricount for couples and families: is it a good fit?
Using Tricount as a couple or family: what it does really well, what is missing for an ongoing household budget, and when to keep it or switch.
Read the guideHow to split bills with flatmates (UK house share)
Energy, broadband, water, council tax: how to split bills fairly with flatmates or housemates in the UK, whose name goes on each account and how to settle up.
Read the guide