What is the fairest way to split bills with a partner?

It depends on the gap between your incomes and your fixed personal costs. In a shared chat you can compare an equal split, a split proportional to income, and a split after fixed costs side by side, with both of your numbers in the thread.

Does my partner need their own subscription?

No. One Unium plan covers everyone on the account, so you are not buying two subscriptions to sort out one set of bills.

Is this financial advice?

No. It can lay out options, but its calculations and framing need checking. It is not a financial adviser and it does not know your tax position. Take anything with legal weight to someone qualified.

How to split bills as a couple with different incomes

Half of the bills can take very different shares of your pay. Start with what each of you can afford, compare a few ways to split the shared costs, and agree what you want to try.

Compare what each split leaves you with

If one person takes home 1,000 a month and the other 2,000, a shared bill of 900 means 450 each with an equal split. That uses 45% of the lower income and 22.5% of the higher one. Proportional shares would be 300 and 600, taking 30% of each income. These are invented figures in the same currency, not a recommended budget.

Neither calculation decides what is fair for you. Discuss caring responsibilities, unavoidable personal costs and what each person has left after paying. Agree which income figures and shared costs belong in the comparison. The free bill split calculator runs these sums on your own numbers: 50/50, by income, and equal money left over, side by side. If the argument is really about the housework, try the chore split check.

Do it in one chat, with both of you in it

Start a chat in Unium, send your partner the link, and they join in a tap. Say what you are trying to work out. The AI takes it from there: it asks each of you for the numbers and the constraints separately, in your own words, and then puts them together.

Check who can read the chat before adding financial information: account members can see shared chats. Ask each person to check the numbers and the summary; an AI can make mistakes or favour one framing.

What to ask it for

Once it has both sides, the useful requests are concrete:

Run three splits side by side: equal, proportional to income, and proportional after fixed personal costs. Show what each person pays under each.
Decide what is joint and what is not, and list anything you disagree on.
Work out the monthly transfer that makes it come out right, so there is one payment rather than nine.
Say which option it thinks is fairest here and why, given what you have both told it.
Write it up as a short agreement you can both look at again in six months.

Ask for the reasoning, not just the number. The reasoning is the bit you will need when one of your salaries changes.

The plan stays in the thread

The chat is where the arrangement lives, and it is shared with everyone on your account by default, so neither of you is the keeper of the spreadsheet. When something changes, a raise, a new bill, a car, you reopen the same conversation and it already knows what you agreed and why.

One subscription, which is rather the point

It would be odd to buy two AI subscriptions to sort out your finances. One Unium plan covers everyone on the account, from $10 a month, and your first two days are free, no card needed.

Sensible limits

It can lay out options, but its calculations and framing need checking. It is not a financial adviser, it does not know your tax position, and it should not be the last word on anything with legal weight, joint mortgages and prenuptial arrangements included. For those, take the summary to someone qualified.

For the wider pattern, see the shared AI chat for couples.

How to split bills when you and your partner earn different amounts