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Free calculators for couples and roommates: three for three different arguments
Three calculators live here, each for a different question: who owes what at the end of the month, who pays what for which room, who spends how long on the housework. Pick by the argument you are actually having. Each one shows its working, so the number can go on the table between you.
In short
Arguing about the month: the shared expenses calculator lists every bill, marks who actually paid it, and names the one payment that squares you up.
Arguing about the room: the rent calculator runs equal shares, room size, and room size with a premium for a private bathroom, so you choose a rule instead of accepting a number.
Arguing about the cleaning: the chore split calculator counts minutes rather than ticks, because five jobs each is not the same as an equal week.
None of the three ends an argument by itself: the number is worth something once you have both said which rule produced it.
Which of these calculators for couples you need
Start from the sentence you keep repeating to each other: I paid for more this month is a money question about bills that change every month. Your room is bigger is a money question decided once, when you move in. I do everything here is not about money at all, and a bill splitter will not touch it.
| What you are arguing about | Tool | What it gives back |
|---|---|---|
| Bills, groceries and subscriptions this month | Shared expenses calculator | The single transfer that squares the month, and what each of you has left afterwards |
| Rent, when the rooms are not the same | Rent calculator | Three rules at once for the same flat, with both coefficients shown as fields you can change |
| Who does the cleaning, and how long it takes | Chore split calculator | The week in hours for each of you, and the share as a percentage |
| A fixed ratio like 60/40 or 70/30 | 60/40 split calculator | Each share by month and year, and whether the ratio is fair against both incomes |
| The whole month’s budget for two | Couples budget template | A budget table with joint and personal rows, what each of you has left, a one-page print and a CSV |
Gather the numbers before you open one: for the rent, the total and the size of each room. For the month, the list of shared bills and both take-home figures. For the cleaning, the minutes each job takes in an ordinary week, estimated first and timed only where you disagree.
What a bill split calculator settles, and what it leaves to you
A calculator turns a rule into a number. It cannot tell you which rule two people should live by, and that is usually what the argument is about. Each of our calculator pages names the point where its own rules break, instead of presenting one answer as fair.
So pick the rule first and the number second. Write the rule down with the date you agreed it, because a rule you can both point to survives the month when money is tight. A figure on a screen has no such memory.
“Most housemates do not argue about the number. They argue about the rule that produced it…”From our rent split calculator
Five free calculators for couples and roommates
Shared expenses calculator
Your month line by line: every shared cost, who actually paid it, both take-home incomes. It divides by the rule you choose and names the payment that settles up, with four rules in one table, each carrying the point where it breaks. Split this month
Rent calculator for roommates
Here the rule matters more than the total, so this one runs all three on one real flat: equal shares, room size, and room size with a premium for a private bathroom. Both coefficients are fields you can change, and the line it copies shows the common-area share. Split the rent
Chore split calculator
The one that is not about money: you enter the jobs, the minutes each takes and who does them. It returns the week in hours for each of you and the share as a percentage, which is the gap that counting ticks hides. Split the chores
60/40 split calculator
Pick 60/40, 70/30 or your own ratio, or let both incomes set it. It shows each share by month and year and how much of each paycheck it takes. Check your ratio
Couples budget template
A budget table for two in the browser: joint rows split your way, personal rows kept apart, a one-page print and a CSV for Google Sheets or Excel. Build your budget
Questions people ask
Are these calculators free?
Yes, all three, with no sign-up, no email and no account. There is no paid tier holding back a feature.
Does anything I type get sent anywhere?
The two money calculators do their arithmetic in your browser, and nothing you enter is sent or saved. Each of those pages says so on the page itself.
Can I send the result to the other person?
Yes. Both money calculators have a copy button that hands over the result as text you can paste into any chat.
Can we split rent by income instead?
You can, but not with the rent calculator: it answers the room question and stays there. Splitting by income is what the shared expenses calculator does, and rent goes in as one of its lines.
Which way of splitting bills is fairest?
The one you both agreed to before the bill arrived. Proportional splitting is the usual answer when one of you earns noticeably more. An equal split fits two similar paychecks, and neither rule is fair if only one of you picked it.
Do these work for a group, not just two people?
The shared expenses calculator holds two names, and the chore calculator is built for two. The rent calculator is the exception: it takes a whole flat, room by room, with the people in each room. To split expenses with friends on a trip, with a pile of small receipts, you want a tool that keeps a running balance instead.
Where the numbers turn into an agreement
A split you both chose is a pact: the rule, the date, and what counts as done. Alpacto keeps that agreement between the two of you, and the balance shows who owes whom, so nobody has to chase the transfer.