“I pay half of a flat I would never have picked on my own.”
$2,400 split$1,488.00 · $912.00
S
Sam
hey, i covered rent again this month
A
Alex
didn't we agree on fifty-fifty?
S
we did, but you earn almost twice what i do 🙃
A
Fairness Check
Alex brings in 62% of the household income. Already split.
$1,488$912
A shared expense trackerbuilt for couples
Fairmony helps couples track everyday spending and split shared expenses by income, 50/50, or a custom percentage. Record rent, groceries and bills together, keep track of each partner’s share, and see what needs settling. No bank linking required.
One example month, already split.
This example month's shared expenses are already split: no line-by-line negotiation, no awkward conversation. Alex earns 62% of what comes in, so Alex covers 62% of what goes out.
| Shared expense | Total | Alex · 62% | Sam · 38% |
|---|---|---|---|
| Rent | $2,400.00 | $1,488.00 | $912.00 |
| Groceries | $640.00 | $396.80 | $243.20 |
| Power, water and internet | $185.00 | $114.70 | $70.30 |
| Subscriptions | $47.00 | $29.14 | $17.86 |
| Trip to Cartagenainstalment 2 of 6 | $310.00 | $192.20 | $117.80 |
| Month total | $3,582.00 | $2,220.84 | $1,361.16 |
With a 50/50 split Sam would pay $1,791.00 — $429.84 more a month, $5,158.08 a year.
Three moments when 50/50 hurts.
Nobody has to be stingy. One of you just has to earn more than the other.
“I always pay for the shop and then I have no idea if we're even.”
$640 split$396.80 · $243.20
“I want to go, but I can't put in the same as you without ending up with nothing.”
$1,860 over 6 instalments$192.20 · $117.80
Smart Split
Fair looks different for every couple.
You almost never earn the same. Drag the control and watch a shared expense rebalance. In Fairmony you can save an income-based default so new shared expenses use it.
Set an income-based default once and adjust it whenever your incomes change.
AAlex62% of income
SSam38% of income
$1,488Rent $2,400$912
Sam would pay $288 more a month on a 50/50. No rush, just keeping it fair.
Next steps
Go deeper before you download.
How the income-based split works
The formula, a monthly example and when another method fits.
Calculate your income split
Free web calculator. Compare income-based and 50/50 payments with your own numbers.
Fairmony vs Splitwise
A sourced comparison for couples, including recurring bills and default splits.
Inside, it feels just as easy.
No tables, no endless categories, no learning curve.
One history, not two
Every expense, from both of you, on a single timeline.
The balance at a glance
Who covered more this month, and what's left to settle.
The split before you save
You see the fair division while you're still typing the amount.
Questions
Splitting expenses as a couple, answered
What does Fairmony do for couples?
Fairmony tracks shared expenses, records who paid, and calculates each partner’s share. Couples can use income-based, 50/50, or custom splits.
Does Fairmony require bank access?
No. You enter expenses in Fairmony without connecting a bank account. See the Privacy Policy for information about storage and syncing.
Is Fairmony free?
Fairmony is free to download and offers a paid subscription for additional features. Check the current store listing for the features and terms available to you.
Can we split expenses based on income?
Yes. Smart Split uses income proportions to calculate a shared expense split. Our free web calculator lets you compare that method with 50/50 before trying the app.
How does Fairmony calculate each partner's share of a shared expense?
Fairmony adds both partners' net monthly incomes to get the household total, then divides each partner's income by that total to get their percentage share. That percentage is applied to every shared expense. For example, incomes of $3,100 and $1,900 add up to $5,000, giving shares of 62% and 38% — so a $2,400 rent splits into $1,488 and $912. In Fairmony you can save an income-based default so new shared expenses use that split.
Does Fairmony support recurring expenses, installments and future payments?
Yes. Fairmony supports recurring expenses such as rent and subscriptions, installment tracking for purchases paid over several months, and scheduled future payments. Some features are part of the paid subscription; check the current store listing for details.
What happens if one partner's income is irregular or they have no income at all?
Fairmony does not require a fixed salary. The split percentage is set by the couple from the incomes they agree on and can be changed whenever income changes. Fairmony does not connect to a bank, so it never verifies or imports either partner’s income.
How is Fairmony different from Splitwise?
Splitwise supports unequal splits, recurring expenses and saved default splits with its Pro plan, and works for groups of any size. Fairmony focuses on two partners sharing a household, with income-based, 50/50 and custom splits and a shared record of who paid. Our comparison page lists the differences with sources.
Your bank stays out of this.
Fairmony never asks for banking credentials and never reads your transactions. You choose which expenses to enter, and the Privacy Policy explains how storage and syncing work.
- No bank linking
- No transaction reading
- You choose what to enter
- Free to start
Don't let money come between you.
Let Fairmony do the maths and get on with what matters.
Free to download · iOS and Android · No bank linking