When it comes to sharing expenses in a relationship, splitting everything 50/50 can feel simple — but not always fair. If one person earns significantly more than the other, that equal split can start to feel unequal.
That’s why many modern couples are choosing to split bills based on income instead. It’s a fairer, more balanced way to share household costs — and thanks to apps like Cino, it’s never been easier to do.
Splitting bills based on income — also known as proportional bill-splitting — means dividing shared costs according to how much each person earns, rather than splitting everything down the middle.
For example:
Alex contributes two-thirds (66%) of shared expenses, while Jamie contributes one-third (33%).
So, if the rent is £1,200, Alex would pay £800 and Jamie £400.
It’s simple in theory — but in practice, doing this manually every month (across rent, groceries, dinners, holidays, utilities…) quickly becomes a spreadsheet nightmare.
1. Fairness
When one partner earns more, splitting costs proportionally ensures both people contribute in line with their means. It keeps finances fair without forcing one person to overextend.
2. Financial harmony
Money is one of the biggest sources of tension in relationships. Sharing costs proportionally helps avoid resentment and keeps both partners comfortable.
3. Independence and equality
Proportional splitting recognises that both partners bring value to the relationship — even if their pay cheques are different. It helps maintain independence and equality.
4. Flexibility for life changes
If one partner changes jobs, takes time off, or studies, proportional splitting can adapt easily to reflect new realities.
Even if you both agree on a fair ratio, the execution can be messy. You have to:
It’s not exactly romantic.
That’s where Cino comes in — the automatic, effortless way to split bills based on income without lifting a finger.
Cino is the smartest and easiest way for couples to split bills based on income.
Here’s how it works:
No maths. No manual tracking. No chasing who owes who.
1. It’s totally automatic
Once your split ratio is set, every transaction is divided instantly between your accounts. You never need to calculate who owes what again.
2. It keeps things transparent
All your shared expenses — from rent to groceries to travel — are logged automatically in the app. You can both see exactly what’s been spent, when, and where.
3. No Excel sheets, no Notes, no admin
Forget about manual trackers or awkward end-of-month bill reconciliations. Cino handles everything seamlessly.
4. Works with any bank
Unlike a joint account, you and your partner don’t need to share the same bank. Cino links directly to your existing cards, so you can keep your personal accounts separate.
5. Fair, flexible, and fun
Change your split ratio anytime, or use features like Roulette to let Cino decide who pays the next date-night bill.
Cino is more than just a bill-splitting app — it’s designed for modern relationships that value fairness, freedom, and simplicity.
It’s the easiest, most transparent way to share expenses fairly — so you can spend more time together and less time calculating who owes what.
Splitting bills based on income is one of the fairest ways to manage shared finances — but it doesn’t have to involve spreadsheets or mental maths.
With Cino, you can set your custom split once and let the app do the work. It’s instant, automatic, and completely fair — perfect for couples who want to share costs without complicating their relationship.
Download Cino — the easiest way to split bills based on income.
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