GUIDES / ONE STEP AT A TIME
Shared bills.
A conversation first.
Compare equal and income-based splits and agree a method for tracking shared expenses.
Define what is shared.
Agree which expenses are joint and which remain individual. Housing, household shopping and a trip may have different rules. Also decide when to review the split.
Compare two methods.
With an equal split, each person pays half. With a proportional split, each share reflects that person's part of combined income. Neither method is automatically fairest for every situation.
For an €800 expense with incomes of €1,600 and €2,400, a proportional split is €320 and €480. An equal split would be €400 each.
Include each person's reality.
Consider individual commitments, variable income, caring work and other factors that matter to you. Use the numbers to support a conversation without making the formula an obligation.
Check what has already been paid.
A calculated split does not by itself show who needs to transfer money to whom. You also need to know who has already paid and how much. This website's calculator only divides the total between two people.
Distinguish expenses from goals.
Use the shared expenses calculator to explore a split. To track recorded contributions towards a joint goal, discover Ravnu Duo. Duo does not make transfers.
Two splits for the same total.
| Item | Amount / reference |
|---|---|
| Shared expense | 800 € |
| Person A's income | 1 600 € |
| Person B's income | 2 400 € |
| Equal split | 400 € / 400 € |
| Proportional split | 320 € / 480 € |
In a proportional split, A represents 40% of combined income and B 60%. Calculated shares do not show who has already paid. If A paid all €800 and you agreed on this method, B would contribute €480; that settlement must account for all actual payments.
Agree on a rule and a review date
Write down what is shared, your chosen method and when you will talk again. Variable income, dependants and caring work may change the decision. No formula alone determines what is fair for two people.
Mistakes to avoid.
Do not confuse splitting an expense with a transfer already made. Do not publish another person's income in a shared result. Duo tracks goals and records; it does not settle these bills.
A common question.
Does the calculator show who owes whom?
No. It shows two shares of one total. A settlement requires knowing what each person has already paid and the agreed rule. Use the template to note both before deciding.
Take the method with you.
Blank template · CSV
Open it in a spreadsheet, fill in only what you need and save it on your device. Ravnu does not receive the data in that file.
Download the templateTry the related calculator to check the example. For a paper review, use .
Sources and method.
Editorial content: Ravnu team. Our own examples and templates, with calculations you can reproduce using the website's tools. We do not claim review by professionals or qualifications that have not been confirmed.
The sources support budgeting and reserve concepts. Examples are not personalised recommendations. Referencing an organisation does not imply a partnership with or endorsement of Ravnu. For tax retention of receipts, check the rules for your circumstances with the relevant authority.
About this guide.
Examples are illustrative. Adapt the figures to your situation and verify information before deciding. This content does not replace financial, tax or investment advice.
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