The income-based rent split formula
Your rent share = rent × (your take-home income ÷ combined take-home income). Use income from the same period for both partners. For monthly rent, enter monthly income.
Example: $5,000 and $3,000 in monthly income
Combined income is $8,000. For $2,400 rent, the income-based contributions are $1,500 and $900. An equal split is $1,200 each. After rent, the income-based split leaves $3,500 and $2,100, before other bills or savings.
When the numbers need another conversation
An income-based split gives both people the same rent-to-income ratio. It does not account for debt, dependents, unpaid work or other commitments. Compare the numbers, then agree on a contribution both of you can afford.
Frequently asked questions
Should couples split rent 50 / 50 or by income?
There is no single rule. An equal split gives each person the same bill. An income-based split gives each person the same percentage of income going to rent. Compare both with your other commitments.
Should we use gross income or take-home pay?
This calculator uses take-home pay, the amount available after taxes and payroll deductions. Use the same basis and period for both people.
What if one partner has no income?
If only one partner has income, an income-based split assigns all rent to that partner. This does not establish affordability. If both incomes are zero, the income-based result cannot be calculated.
Can we use this to split other bills?
Yes. Replace rent with your total shared bills. The formula stays the same.
Are our incomes saved or shared?
No. Inputs stay in this page and are not sent to Oaktally, saved in browser storage or added to the URL.
By Fabio, Oaktally. Updated October 5, 2026. Educational examples, not individual financial advice.