Income-adjusted
Here's what a proportional split would look like.
Person A pays R12,000. Person B pays R6,000.
The Fair Split Calculator
Work out what each of you should pay towards rent and bills, based on what you each earn.
The two incomes
Shared costs
Optional. Leave this at zero if rent is the only shared cost.
The two splits
Here's what a proportional split would look like. 50/50 divides the R18,000 shared cost in half. Income-adjusted follows the two take-home amounts.
| 50/50 | Income-adjusted | |
|---|---|---|
| Person A pays | R9,000 15% of their income | R12,000 20% of their income |
| Person B pays | R9,000 30% of their income | R6,000 20% of their income |
| Person A has left | R51,000 | R48,000 |
| Person B has left | R21,000 | R24,000 |
The link only has the amounts. No names, and FinWise does not store the split.
FinWise
See the month after the split
FinWise keeps the debit orders and what is actually left, in rands. This calculator is a sketch you can send. Your transactions are the record.
Explore related resources
How to split money fairly as a couple
Why 50/50 feels equal until the payslips are not, and what is left after rent.
Salary you actually need
Turn what is left after the split into the gross salary each person needs.
Rent vs buy calculator
If the shared cost is the home, see where renting and buying meet.
Can I actually afford this?
A purchase on top of the split, scored against the month you already have.
Assumptions
- Default illustration: Person A R60,000, Person B R30,000, rent R18,000, and no other shared bills. 50/50 is R9,000 each. Income-adjusted is R12,000 and R6,000.
- Income-adjusted means each person pays the same share of their own take-home. On the default, that share is 20% for both.
- Shares are rounded to the nearest cent. Person A takes any leftover cent so the two amounts still add up to the shared cost.
- Take-home is after PAYE and UIF. A gross salary would make the higher earner look more able to pay than the money that actually arrives.
- What is left is take-home minus that person's share of the shared cost. It is not a budget. Food, transport, and debt that one person pays alone still come out of it.
- A zero income pays nothing on the income-adjusted split. 50/50 still splits the cost in half. If both incomes are zero, only 50/50 is shown.
- The share link contains only the amounts. FinWise does not store the split. The link does not ask for a name or an email.
- This is a planning aid, not legal, tax, or relationship advice. It is not a maintenance calculation.
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