Per-Paycheck Deposits & a 90-Day Forecast of Your Shared Bills Account
A smarter, fair-share bill-splitting calculator for couples with different incomes or pay schedules.
Enter your income, pay schedules, and recurring bills to see each partner's fair share, the exact deposit per paycheck, and whether your shared bills account stays above $0 over the next 90 days.
Most bill-split tools ignore timing, pay frequency, and real due-date alignment. Your paydays and due dates actually determine whether the account survives.
This tool is ideal for couples who want to split bills fairly, especially when incomes or pay schedules aren't the same.
How It Works
Enter your incomes
Add each partner's income and pay frequency
Add your shared bills
Rent, utilities, subscriptions - anything you split
Get your forecast
See per-paycheck amounts and 90-day projection
Frequently Asked Questions
How do you split bills fairly when partners earn different incomes?
This calculator lets you assign each partner's share based on proportional income or any custom percentage. It then divides that share across their actual paychecks so each deposit reflects both fairness and real-world timing.
Does pay frequency matter when splitting bills?
Yes. A couple paid bi-weekly and weekly won't have money hitting the account at the same times. Pay frequency determines whether the bills account dips toward $0. This calculator accounts for mismatched schedules so the timing actually works.
How often should couples recalculate their shared bills?
Anytime your real account balance drifts—unexpected spending, reimbursements, refunds, timing quirks—you should re-anchor the forecast. Updating the starting balance keeps the per-paycheck plan accurate.
Can this calculator show if our shared bills account will run out of money?
Yes. The 90-day forecast projects every deposit and bill by date and flags whether the account stays above $0 based on your current balance, paydays, and recurring expenses.
What if we don't split bills 50/50?
You can split each bill however you want—proportionally by income, 75/25, or entirely custom. The calculator uses those splits to determine the exact deposit each partner should send from every paycheck.
Do I need budgeting categories for this to work?
No. This tool focuses only on recurring bills and cashflow timing. If your deposits and bill dates are predictable, you can forecast whether the account is safe without tracking every transaction.
Can this help if we keep personal finances separate?
Yes. You can maintain separate accounts and only share a dedicated bills account. Each partner contributes their calculated amount from each paycheck—fairly and predictably—without merging finances.