“50:50 is a rubbish way to split bills when it comes to a long term couple managing finances, especially if you’re married. It’s so penalising to the lower earner and it can really hold you back financially” ~ Laura Pomfret, Financielle founder.

If you’re feeling strapped for cash or sensing that things aren’t quite fair, here are some signs it’s time to split those bills proportionally…

1. One of You Earns a LOT More 💸

A big income difference can leave the lower-income partner stressed with a 50:50 split. Dividing bills proportionally ensures both partners contribute fairly without financial strain. It makes sense for the higher earner to cover a bigger portion of the expenses since they have more financial flexibility.

2. There’s a ‘Lifestyle Creep’ 🥂

Higher earners may have different lifestyle expectations. We call this The Lifestyle Creep! They might enjoy more ‘bougie things’ like fancy restaurants, exotic holidays, or luxury items. A 50:50 split can put pressure on the lower-income partner to keep up, which can lead to resentment. Proportional splitting lets each person live within their means without financial stress.

3. You’re Worried About Savings and Future Planning 🛟

If one partner uses most of their income on shared expenses, they might struggle to save for personal goals, emergencies, or retirement. Proportional splitting allows both partners to save and invest properly, leading to a more secure and balanced future together. This way, both of you feel more confident and in control of your money.

4. You’re Concerned About Financial Independence 💸

Financial independence is crucial. When bills are split down the middle, the lower-earning partner might feel they’re losing their independence, constantly relying on their partner for support. By splitting bills proportionally, both of you can manage your money better, creating equality and independence.

5. You Want Less Money Stress 🧘‍♀️

Money is one of the leading causes of stress in relationships. If one person feels bogged down by expenses because of a strict 50:50 split, it can create tension and conflict. Tweaking those numbers can lighten the financial load and bring some peace of mind. With less stress, you can  focus more on enjoying your time together, rather than worrying about money.

Here are two ways of splitting finances:

1. Ratios 

• This means contributing to the budget in proportion to your income i.e. you earn £60K, your partner earns £40K, you contribute 60:40

2. Completely combining finances (even if you don’t combine bank accounts)

• Put everything into the budget, income at the top
• Add all your joint and personal expenses
• Put whatever’s left towards your joint money goals

Method 2 is probably the easiest, especially if in a long-term committed relationship/married. But both methods allow you to save and reach your money goals together ❤️

So, the next time you’re chatting about money, think about the proportional approach. It’s not just about money—it’s about fairness, respect, and building a future together. Here’s to a balanced and happy relationship!

Create your budget in the Financielle app now.