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How should couples split household costs when one earns twice as much?

82 replies

ourSusie · 09/05/2026 11:10

How do people arrange their finances once they move in together, to a rented house, one earning exactly twice the other, both with good well paid jobs.
To have a joint pot for standing orders for paying utilities, to buy food, pay for repairs, household stuff, we put in half each. Is this fair. Is one subsidising the other.
Your thoughts please.

OP posts:
Middletoleft · 12/05/2026 11:37

It took us a while ie a couple of years until I got fed up of being perpetually broke.

We then moved house and he started to pay 70% including the mortgage.

LittleSpeckleFrog · 12/05/2026 12:34

I think it depends how much you're earning. If you're both earning high wages and 50/50 is affordable to both parties then I'd do that.

If 50/50 is significantly impacting the lower earner then I think percentages is the only way to go, not sure how you could do it differently unless the higher earner is happy to continue doing 50/50 but also pick up the majority of additional expenses?

ourSusie · 12/05/2026 17:27

MidnightMeltdown · 12/05/2026 11:30

Well you clearly haven’t said that there are kids involved, or who the kids belong to? 🤷🏻‍♀️. Why are you dripping feeding and not providing full information when asking for opinions?

And you are wrong. If the higher earner is paying more then they are clearly subsidising the lower earner.

I’ve thanked everyone who made a sincere response and moved on…

OP posts:
TofuTuesday · 12/05/2026 17:42

We did
total bills including food = x
total household income = a

if person 1 earned 30% of household income they paid 30% of bills. Person 2 paid 70% of bills.

sweatybetty85 · 12/05/2026 17:51

Married with 4 children, both work full time. Husband earns more than me.
All money paid into our joint account. No questions ever asked as it is all seen as joint money, although I am far better at spending it than DH 🤭

DeedlessIndeed · 18/05/2026 19:55

Before we got mafrried, we paid a % into a joint account.
After marriage and kids/SAHP, wage goes into a joint account, and then each paid the same amount of fun money into personal accounts.

MonsterasEverywhere · 19/05/2026 15:02

My partner and I have always paid 50/50 of household costs (housing, utilities, insurance, groceries etc). If there are things that the individual wants, then they pay separately (e.g. partner wants Netflix, he pays for it as there isn't anything on there I want to watch, I want a new book, I buy it). Joint things get saved for for in a joint savings account.

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