How to split rent by income: should the higher earner pay more?
No install, no sign-up. 100% free.
For example, a month for 2 with different incomes
Incomes are 6 to 4. Each paid for rent, utilities or groceries.
Split 50/50? What if it follows income? How much to hand over at month end?
With FAMI-KAN, just set the ratios
Who pays whom
WHY FAMI-KAN
No sign-up, no limits, no black box
accounts or installs
Just paste a link in your group chat.
entries and members
No daily caps, no paid plan.
currencies, 8 languages
Works for trips abroad and mixed-language groups.
Shared pot (deposits) supported
Collect money up front; refunds and top-ups are settled automatically. Rare among no-sign-up apps.
Everyone can answer "why this amount?"
Who carries which ratio, what the base amount is. The whole calculation is always visible.
ABOUT THIS APP
What FAMI-KAN is
From everyday bills to trips, decide fairly who pays how much.
Adults 1.0, kids 0.5.
Split per person or per household, and set any ratio. Everyone's share is calculated automatically.
Just share a link.
No app to install, no account to create. Everyone adds what they paid from their own phone.
Who pays whom, how much. Instantly.
The fewest transfers to settle up, and every calculation visible to everyone. No black box.
HOW IT WORKS
How it works, in 4 steps
1Add households and set ratios
Adults 1.0, kids 0.5. Each household's total ratio is computed for you.
2Everyone enters what they paid
One family paid the rental car, another the hotel. Each from their own phone.
3Here's the result
Who pays whom, how much, in the fewest transfers.
4Send it and you're done
Share the result as one image, or copy the text for payment apps.
MoreHistory by date
Who paid for what, grouped by day. You can re-sort it too.
MoreBy Member
Each family's share, what they paid, and what they get back or owe.
MoreBy Item
What the money went on, by date or by category.
MoreSettlement card
One image to post in the group chat. The QR code opens the full details.
Any of these sound familiar?
Unequal incomes?
Splitting 50/50?
Awkward money talks?
→ Split rent and bills proportionally by income.
Divide household bills by your actual income ratios. Set custom 60/40 or 70/30 splits to keep cohabitation financially fair and conflict-free. No signup required. Completely free.
Don't let tedious money calculations ruin a great memory.
We make different amounts, so splitting everything 50/50 feels a bit unfair...
You can easily set custom ratios like '0.6 for the higher earner, 0.4 for the other'. The app automatically calculates each person's fair share based on your actual income breakdown.
Switching to a new ratio when someone takes a pay cut is an awkward conversation.
Modifying the ratio applies instantly to calculation balances. Propose a specific split like '70/30' with numbers backing it up, making emotional conversations purely logistical.
Adding up rent, utilities, and every grocery receipt is exhausting.
Just log payments as they happen on your phone. At the end of the month, one button calculates all netted differences and shows the exact final balance to transfer.
FAMI-KAN needs no sign-up and no install. Set a ratio once — Adult 1.0, Child 0.5 — and it applies to every expense after that. We compare it with other apps, including where they do better.
Why FAMI-KAN is Best
For cohabiting couples and dual-income households, 'splitting everything 50/50 when one person earns significantly more' is one of the most common sources of financial friction. Yet bringing up a concrete money-allocation conversation is emotionally charged and easy to avoid. FAMI-KAN lets you set a custom income-based ratio — such as 60/40 or 70/30 — as each person's burden weight. Then, as you log day-to-day payments for rent, utilities, groceries, and household supplies on your phone, the app tracks every reimbursement automatically. At the end of the month, one tap calculates the net difference after offsetting all advances, showing exactly who owes whom and how much to transfer. By turning a potentially emotional negotiation into a clear, numbers-driven routine, FAMI-KAN helps couples discuss money smartly and transparently — preventing unnecessary conflicts before they start. No sign-up, no app install, completely free.
Simple 3-Step Guide
No app downloads or accounts needed.
- 1
Create a shared event
Start an event for your household, such as "Apartment 2026", and choose the currency. No account is needed for either of you.
- 2
Set your income ratio
Give each of you a ratio that matches your incomes, for example 0.6 and 0.4. You can try a few ratios and see the amounts before you agree.
- 3
Log bills as they're paid
Whoever pays rent, utilities or groceries enters it from their own phone. Add a category so you can sort spending later.
- 4
Settle at month end
Check the Settle tab for the single transfer that evens things out, send it, and record it under "Settled payments".
Why we built FAMI-KAN
FAMI-KAN isn't just a calculator. It's a partner that handles the math so you can focus on what matters: "That dinner was amazing", "Where should we go next?" — preserving the afterglow of time well spent together.
Read more
The worst part of any trip comes at the very end — when everyone's tired and someone has to sort out the money. Lining up receipts, punching numbers into a calculator, trying to remember who paid what... it brings a cold, transactional feeling to what should be warm memories.
Existing apps are useful, but often too complex or require everyone to install the same app. For family gatherings spanning multiple generations, we needed something simpler — and warmer.
Need business-style splitting?
FAMIKAN Smart for Business & Dinners
"Seniors pay more", "Students pay less", "Late arrivals get adjusted" — complex tiered splits are set up in seconds with presets. Features like edit-locking and graph-enabled share text are built for organizers.
- • Role-based tiered split presets
- • Edit lock & graph-enabled sharing
- • Perfect for work dinners & mixers
Frequently Asked Questions
Divide each person's income by your combined income. If one of you earns $6,000 a month and the other $4,000, that's 60/40, so on $2,000 rent the shares are $1,200 and $800. In FAMI-KAN you enter the ratio once, as 0.6 and 0.4, and every expense uses it.
That's for the two of you to agree on. Take-home pay reflects what each of you actually has to spend, while gross pay is easier to compare. Whichever you choose, rounding to a simple ratio like 60/40 makes it easier to talk about than 61.3/38.7.
You can mix. Keep the income ratio as the default for rent and utilities, and for things you'd rather split evenly, such as a $120 dinner out, use "Change shares for this payment only" to set both of you to 1.0, so it comes to $60 each.
Log both and FAMI-KAN compares what each paid with each share. Say Alex (0.6) pays $2,000 rent and Sam (0.4) pays $500 in groceries: the total is $2,500, so Alex's share is $1,500 and Sam's is $1,000. Sam sends Alex $500 and you're even.
No. You can keep one running event and record each month-end transfer under "Settled payments", or duplicate the event each month from the history on the home page so the members, ratio and currency carry over to a clean slate.
Yes. Add a date, category and memo to each payment, then sort the History tab by category or date. When a month is fully settled, you can lock it so nothing changes afterward.
Yes. Every bill-splitting and settlement feature is free to use, and no registration is required.
No. It runs entirely in your web browser. Just share the link and everyone can access it immediately on their phones.
Yes, you can select the currency when creating an event (almost every official currency in the world). You can unify calculations easily for trips abroad.
Yes. You can switch between three views — "Settlement", "By Member" and "By Item". You can see what each person paid and owes, and for any single expense, who is covering how much. Everyone sees why the number is what it is, on the same screen.