Shared bills, separate personal spending

Bill splitting for couples

Billum is a bill splitting app for couples who want to manage shared costs while keeping personal spending separate. Choose equal, income-based or custom shares, track who paid and record repayments month by month.

Try the calculator

Choose the rule together, then apply it consistently

An equal split is simple when incomes and financial room are similar. An income-based split can preserve comparable breathing room when earnings differ. A custom percentage can reflect parental leave, debt repayments or another temporary reality. Revisit the rule when circumstances change instead of quietly compensating bill by bill.

Illustrative example: splitting bills 60/40

Alex brings home 36,000 kr and Sam 24,000 kr. Their shared monthly bills total 18,000 kr.

Alex earns 60% of their combined income and contributes 10,800 kr. Sam earns 40% and contributes 7,200 kr.

The calculation is neutral; deciding whether it feels fair is a conversation. Compare it with 9,000 kr each, then choose deliberately.

How to split bills based on income

A monthly routine that avoids scorekeeping

Define what is shared

Rent and utilities are obvious. Agree separately on groceries, subscriptions, travel and purchases that mainly benefit one person.

Use current net income

If you split by income, use the amount each person can actually budget from and update it after a job change or leave period.

Close the month once

Record what each person paid, make one balancing transfer if needed, and start the next month without carrying a vague debt.

Track shared expenses together in Billum

Use the free calculator to compare contributions before creating an account. Once you agree on a rule, set it in Billum and keep shared bills, payment records and settlements together. Personal records stay in your own view. Calculator entries are not transferred to your account, and Billum does not move money for you.

  • Choose even, income-based or custom-percentage household splits.
  • Track shared bills, receipt items, who paid and payment status by month.
  • Record settlements so the monthly household balance reflects repayments.

Common questions

Can we track shared expenses while keeping separate bank accounts?

Yes. Billum can record which member paid a shared cost and the repayments between members, without requiring a joint bank account. Keep personal records in your own view and use shared records for costs you have agreed to split. Billum records payments; you make the transfers through your bank.

Should couples split bills equally or by income?

Equal is easy when financial room is similar. Income-based splitting can be fairer when earnings differ materially. The best rule is one both people understand, can afford and agree to review.

How often should the split change?

Review it after a meaningful income or household change. Avoid recalculating for every small fluctuation unless that is a rule you both want.