Split Salary Calculator
This tool helps partners or groups calculate how to divide shared income after common expenses are paid.
Enter all sources of shared income and any major shared deductions (like rent or utilities). Then, set the percentage to split the remaining "Net Sharable Income".
Enter Incomes & Deductions
Set Split Percentage
Understanding the Split Salary Method
What is Net Sharable Income?
This is the core concept of the calculator. It's the money left over after all mandatory, shared expenses are paid from the total combined income. This remaining amount is what you "share" or "split" for personal savings, individual spending, or other goals.
Calculation Formulas
- Total Income:
Total Income = Income 1 + Income 2 + Other Income - Total Deductions:
Total Deductions = Deduction 1 + Deduction 2 - Net Sharable Income:
Net Sharable Income = Total Income - Total Deductions - Partner Shares:
Partner A's Share = Net Sharable Income * (Split Percentage / 100)
Partner B's Share = Net Sharable Income * ((100 - Split Percentage) / 100)
This method ensures that shared responsibilities are covered first before income is divided, providing a fair and transparent way to manage joint finances.
10 Split Salary Examples
Click on an example to see a step-by-step calculation.
Example 1: Even 50/50 Split
Scenario: Two partners want to split the remaining income equally after paying rent and utilities.
1. Inputs: Income 1: $4000, Income 2: $3000, Deduction 1 (Rent): $1500, Deduction 2 (Utilities): $500, Split: 50%.
2. Total Income: $4000 + $3000 = $7000.
3. Total Deductions: $1500 + $500 = $2000.
4. Net Sharable Income: $7000 - $2000 = $5000.
5. Result: Partner A gets 50% of $5000 ($2500), Partner B gets 50% of $5000 ($2500).
Example 2: Proportional 60/40 Split
Scenario: One partner earns more and they agree to a split proportional to their income contribution.
1. Inputs: Income 1: $6000, Income 2: $4000, Deduction 1 (Mortgage): $2000, Deduction 2 (Groceries): $800, Split: 60% for Partner A.
2. Total Income: $6000 + $4000 = $10000.
3. Total Deductions: $2000 + $800 = $2800.
4. Net Sharable Income: $10000 - $2800 = $7200.
5. Result: Partner A gets 60% of $7200 ($4320), Partner B gets 40% of $7200 ($2880).
Example 3: Single Income Earner
Scenario: One partner is the sole earner, but they split the disposable income for personal use.
1. Inputs: Income 1: $5000, Income 2: $0, Deduction 1 (Rent): $1300, Deduction 2 (Bills): $400, Split: 70% for the earner.
2. Total Income: $5000.
3. Total Deductions: $1300 + $400 = $1700.
4. Net Sharable Income: $5000 - $1700 = $3300.
5. Result: Partner A gets 70% of $3300 ($2310), Partner B gets 30% of $3300 ($990).
Example 4: No Deductions (Splitting Everything)
Scenario: A couple lives rent-free and wants to split their entire combined take-home pay.
1. Inputs: Income 1: $2000, Income 2: $1500, All Deductions: $0, Split: 50%.
2. Total Income: $2000 + $1500 = $3500.
3. Total Deductions: $0.
4. Net Sharable Income: $3500 - $0 = $3500.
5. Result: Each partner receives $1750.
Example 5: Including a Side Hustle
Scenario: A couple pools their salaries and income from a shared side business.
1. Inputs: Income 1: $3000, Income 2: $3000, Other Income: $500, Deduction 1 (Shared Costs): $2000, Split: 50%.
2. Total Income: $3000 + $3000 + $500 = $6500.
3. Total Deductions: $2000.
4. Net Sharable Income: $6500 - $2000 = $4500.
5. Result: Each partner receives $2250.
Example 6: High Deductions
Scenario: A high-earning couple with significant shared expenses like a mortgage and car payments.
1. Inputs: Income 1: $5500, Income 2: $4500, Deduction 1 (Mortgage): $3000, Deduction 2 (Car/Insurance): $1000, Split: 50%.
2. Total Income: $5500 + $4500 = $10000.
3. Total Deductions: $3000 + $1000 = $4000.
4. Net Sharable Income: $10000 - $4000 = $6000.
5. Result: Each partner receives $3000.
Example 7: Uneven Split for Savings Goal
Scenario: Partner A is aggressively saving for a down payment, so they take a larger share of the disposable income.
1. Inputs: Income 1: $4000, Income 2: $4000, Deductions: $3000, Split: 80% for Partner A.
2. Total Income: $8000.
3. Total Deductions: $3000.
4. Net Sharable Income: $8000 - $3000 = $5000.
5. Result: Partner A gets 80% of $5000 ($4000), Partner B gets 20% of $5000 ($1000).
Example 8: Zero Net Income
Scenario: A couple's shared expenses exactly match their shared income for the month.
1. Inputs: Income 1: $2500, Income 2: $2500, Deduction 1: $5000, Split: 50%.
2. Total Income: $5000.
3. Total Deductions: $5000.
4. Net Sharable Income: $5000 - $5000 = $0.
5. Result: Both partners receive $0 after shared expenses are paid.
Example 9: Error Correction
Scenario: A user enters deductions that are higher than the total income.
1. Inputs: Income 1: $2000, Income 2: $1000, Deduction 1: $4000.
2. Calculation Attempt: Total Income ($3000) - Total Deductions ($4000) = -$1000.
3. Result: An error message appears stating, "Error: Total deductions cannot be greater than total income." The user can then correct the input values.
Example 10: 100/0 Split
Scenario: All disposable income is allocated to one partner, perhaps to pay off a personal debt quickly.
1. Inputs: Income 1: $3000, Income 2: $2000, Deductions: $1500, Split: 100% for Partner A.
2. Total Income: $5000.
3. Total Deductions: $1500.
4. Net Sharable Income: $5000 - $1500 = $3500.
5. Result: Partner A gets 100% of $3500 ($3500), Partner B gets 0% ($0).
10 Frequently Asked Questions
1. How do I use this calculator?
Enter each partner's take-home pay into the "Income" fields. Add any other shared income. Then, enter total shared monthly expenses (like rent and utilities) into the "Deduction" fields. Use the slider to set the percentage split and click "Calculate Split".
2. What does "Net Sharable Income" mean?
This is the money left over after your shared deductions are subtracted from your total combined income. It's the "disposable" amount that the calculator divides between the partners according to the percentage you set.
3. Can I leave an income or deduction field blank?
Yes. Any field left empty is treated as zero and will be ignored in the calculation.
4. Why did I get an error about deductions exceeding income?
This error appears if your total shared deductions are greater than your total combined income. This would result in a negative amount to split, which is not logical. Please check that your input numbers are correct.
5. What if we have more than two shared deductions?
This calculator has two fields for simplicity. If you have more, simply add them together yourself and enter the total sum into one of the deduction fields. For example, enter the total of "Groceries + Internet + Car Payment" into the "Deduction 2" field.
6. Is the financial data I enter saved or stored anywhere?
No. This calculator runs entirely in your local browser. None of the information you enter is ever sent to a server, stored, or seen by anyone else. Refreshing the page will clear all data.
7. How do I adjust the split percentage accurately?
You can either drag the slider for a quick adjustment or type a precise number (from 0 to 100) into the percentage box next to it. The two controls are linked and will update each other.
8. Why would someone use a split other than 50/50?
Couples use different splits for many reasons: to reflect proportional income contributions, if one partner is covering a large personal expense (like a student loan), to meet an aggressive savings goal, or simply based on personal agreement.
9. What kind of expenses should be included in "Deductions"?
You should only include expenses that are truly shared and paid from the joint pot *before* personal spending money is allocated. Common examples include rent/mortgage, utilities, shared groceries, internet bills, and joint insurance payments.
10. How do I start a new calculation?
Click the "Reset" button. This will clear all input fields and hide the previous results, allowing you to start fresh.
