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Couples bill planner
Compare a few ways to split the bills, then check whether the money arrives before the first payment is due. Use the result to talk through an arrangement you both agree to.
Step 1 · Compare the split
Use take-home income and costs per month. The same figures carry into step 2.
Include costs you both agree come before personal money, paid after take-home. Leave out payroll deductions already removed.
Uses the example's other figures.
Equal dollars
Proportional
Equal leftover
Amounts round to cents; the second person’s share balances the total. This compares responsibility, not payment timing. It doesn't calculate tax or benefits.
Step 2 · Check the dates
Will the first bill be covered?
Keep the pays, own costs and split from above. Add each person’s next payday and the one or two bills you want to check. The dates below are examples you can change.
$3,240 in bill money before the payment · $240 afterwards.
You
$3,240 share
From the pay on 30/10/2026.
Partner
$2,160 share
From the pay on 03/11/2026.
These bills are covered on the entered dates.
See every pay and bill (8)
| Date | Pay or bill | Bill money | You left | Partner left |
|---|---|---|---|---|
| 30/10/2026 | You's pay | $0 | $6,000 | $0 |
| 30/10/2026 | You's own costs | $0 | $5,400 | $0 |
| 30/10/2026 | You's bill money | $3,240 | $2,160 | $0 |
| 01/11/2026 | First bill | $240 | $2,160 | $0 |
| 03/11/2026 | Partner's pay | $240 | $2,160 | $4,000 |
| 03/11/2026 | Partner's own costs | $240 | $2,160 | $3,600 |
| 03/11/2026 | Partner's bill money | $2,400 | $2,160 | $1,440 |
| 03/11/2026 | Money set aside for later | $0 | $2,160 | $1,440 |
How the calculation works
Assumes each person puts their agreed share into bill money on payday, after their own costs. Money already in the bill account reduces the new contributions needed here. Any shared budget beyond these bills is set aside for later at the end.
Bills go before pay on the same day. If your pay clears first, check with the money already available instead. This checks only the bills you enter, not every cost for the month. No bank transfers are made.
Shares round to cents. An exact half cent in the equal-leftover split goes to the first person; the second person’s share balances the total.
Reading your bill plan
The coloured bars show what each person keeps after their contribution and own costs. The first person is navy, the second is ochre. A split can add up for the month and still leave the first bill short.
If someone pays early from savings, it counts towards their share, and they top their savings back up from later pay. Agree that separately before moving any money.
This is a planning tool. It doesn’t link your money or accounts.
Figures are for discussion and planning. Check the amounts and dates against your actual bills and usable pay. Nothing you enter here is saved.