Planning FIRE as a couple?
The Family FIRE tab models your combined corpus, shared retirement timeline, and has an income split view built in — updated live as you adjust your numbers.
💑 Couples Finance Split
Find the fairest way to split shared expenses — three models, real numbers.
Who's splitting?
Monthly take-home income
₹1.2L/mo after tax
₹80K/mo after tax
Household income split
Combined: ₹2.0L/mo
Total shared monthly expenses
Rent · groceries · utilities · joint lifestyle costs
Personal savings target
What % of your personal money should each partner save / invest every month?
Solid — enough for long-term wealth building.
Model 1
50 / 50 Split
Each partner pays exactly half, regardless of income.
Partner A contributes
25% of Partner A's income
₹30K
Partner B contributes
38% of Partner B's income
₹30K
Partner A's personal money
₹90K
Partner B's personal money
₹50K
Model 2
Best fitProportional Split
Each contributes in proportion to their income. More equitable.
Partner A contributes (60%)
30% of Partner A's income
₹36K
Partner B contributes (40%)
30% of Partner B's income
₹24K
Partner A's personal money
₹84K
Partner B's personal money
₹56K
Both partners retain the same 70% of their own income as personal money — perfectly equitable.
Model 3
Equal Guilt-Free Money
Both partners end up with identical personal spending money.
Both partners get
₹70K
personal / guilt-free money each month
Partner A puts into joint pool
42% of Partner A's income
₹50K
Partner B puts into joint pool
13% of Partner B's income
₹10K
The higher earner contributes more to the joint pool — but both walk away with exactly the same amount to spend guilt-free. No resentment, no awkward money talks.
Model comparison — Partner A's personal money left
Monthly savings at 20% rate
How much each partner puts away for investments / FIRE, per model.
Partner A saves
₹18K
Partner B saves
₹10K
Partner A saves
₹17K
Partner B saves
₹11K
Partner A saves
₹14K
Partner B saves
₹14K
Account structure tip
Most couples manage money best with three accounts:
Joint account (ours)
Both salaries in, shared bills out. Rent, groceries, utilities, subscriptions.
Partner A's personal account
Partner A's guilt-free money. No questions asked — personal spending, savings, investments.
Partner B's personal account
Partner B's guilt-free money. Full autonomy, zero resentment.
Each partner auto-transfers their contribution to the joint account on salary day. The rest stays personal.
What's next?
Now that your monthly budget is set — plan your next big move.