Credit Card Center Advertiser Disclosure

New Contributor
Posts: 62
Registered: ‎05-04-2008
0 Kudos

Re: splitting rent

Well rent is one thing, but you have to factor in as well, who is paying for other parts of your life, e.g. food, toileteries, etc. I think the best thing is to openly talk about it and recognize who ever makes more will likely and should likely contribute more.

5/5/08 EQ 696
9/13 EQ 796 Thanks myfico!
Amex Blue Cash 15K, PenFed Cash Rewards 18K, Macy's 1K, Chase Freedom 6K, Cap1 Quicksilver Visa 15K
Frequent Contributor
Posts: 280
Registered: ‎05-16-2013
0 Kudos

Re: splitting rent

This is a tough one for me too!  I have kids and he doesn't so i always get weird about him paying for my kids. Except for the fact that we have lived together for almost 3 years and out of that time he didn't work for a year and a half, the first year we were together he couldn't really afford to give me money because he was helping his parents so now here we are. He got his first good paycheck in over a year and went shopping for new Playstation games!  URGHHHH, i was so mad! 


I think I am going to take the approach of adding up our household expenses and dividing by number of people.  That way I don't feel like he is paying for my kids. I shouldn't feel weird about it because I have paid his car insurance, cell phone bill and gave him free use of my vehicle when he hasn't had one. And now that he does he is still driving mine because his needs work done.


I love him but sometimes I think he never grew up past the age of 16. He (nor his entire family) have any idea what being financially responsible is. Drives me crazy!!!

last app 11/13/2013 gardening for at least a year
Regular Contributor
Posts: 232
Registered: ‎09-26-2013
0 Kudos

Re: splitting rent

Momma told me to start out like I could hold out !   I moved in with her paid all her bills, gave her my sports car.


Fast forward ........  I am a father of two and a grandfather as of four months ago.......


I am still paying for everything Smiley LOL

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
New Visitor
Posts: 4
Registered: ‎10-29-2013
0 Kudos

Re: splitting rent

I would say 50-50 if your salaries were comparable or even. But if you make a decent amount more than her and it wouldn't affect you paying a little more than that it what I would do. I would definitely sit down with her and talk it out and be honest with it, you never know, maybe she will say that she can afford it and wants to do the 50-50 split. If not then maybe you should do a 60-40% or 65-35% split since she did help you out a lot it sounds like when you were looking for a job. You two know your finances the best and that’s why sitting down and talking about it, I think, is your best option. At least to start. I remember when I was younger me and my best friend wanted to move out of our respected houses and he made more money than I did so he paid more and had me contribute what I could. We sat down and talked about it and came to an agreement on me paying X each month and him the rest. Since that was the case I helped keeping the place tidy and neat a little more just to help pick up my slack. I am sure you could work something out with your girlfriend and settle on a fair agreement.


Here's an article with some helpful tips for splitting rent duties: Some of these might not be necessary if you have been together for a while or trust one another but some, like keeping your money separate, could help.

Established Contributor
Posts: 752
Registered: ‎06-06-2012
0 Kudos

Re: splitting rent

If you both made $1500 a month you wouldn't be getting a $1400 apartment. You are getting a more expensive apt than she can afford half of. Split it proportionately according to what you make.

Regular Contributor
Posts: 190
Registered: ‎11-28-2012
0 Kudos

Re: splitting rent

I agree with compassion101. I have seen family members who were bf/gf at the time co sign car loans, where the guy got the car only due to the woman(my family members credit). His credit was shot, and he had not tried to change his behavior, and sure enough, the financially responsible co signer is caught at the end having to bail out that person.


I have lived with 1 gf, and it was awkward having the rent splitting discussion, as her taste and mine were about 500/mo apart. We finally did come to an agreement/settlement, but that was a precursor to me of things to come.

Current Score: TU 669 6/15
Established Member
Posts: 38
Registered: ‎07-11-2013
0 Kudos

Re: splitting rent

So what would be a fair split proportional to what we make? Is there a # we can agree on?

The good news is, since I posted this, we both actually got better jobs and make way more. I now officially make double she does. And to clarify, when I said she paid more than me monthly it was $50 more. I dont think it would be fair for me to pay $1000 and her $400 when we move out though..

AMEX BCE: $22000 | nov 2013 ### DISCOVER IT: $6500 | nov 2013
CHASE FREEDOM: $7000 | nov 2013 ### CHASE CSP: $7500 | nov 2013
us bank college: $1000 | feb 2013 ### boa partial secured: $5000 | april 2013
Established Contributor
Posts: 752
Registered: ‎06-06-2012
0 Kudos

Re: splitting rent

If you make double then you should pay double. So if 1400 then 933/467


Posts: 94
Registered: ‎11-19-2008
0 Kudos

Re: splitting rent

I don't know that I agree with "if you make double, you should pay double".  This is how I would look at it.  Rent or a house payment shouldn't be more than 25% of a persons monthly net income or married couples combined monthly net income.  Since she makes less than you, figure 25% of her monthly net income.  If she were living alone, she wouldn't or shouldn't be paying more than that.  Double that dollar amount, since you'll be adding at least that much.  If that's enough to cover the $1400, I would say spilt it 50/50.  If it's not, then you should be covering the rest of it.  My guess is her monthly net income isn't $2800, so splitting it 50/50 isn't going to work.  If that is the case, find a cheaper place to live or cover the rest of it. 


In my opinion, it's more about whoever is making the lower monthly net income.  If the person making more per month wants something more expensive than what the person with the lesser income can reasonably afford per month (25%), they should be making up the difference.  


If I made 4K per month and my gf made 2K per month, we would be looking for something no more than 1K per month.  If I wanted something that was 1500 per month, I would be paying the difference.  If I was happy with spending 1K and she wanted to spend $1500, than she would need to start making more money.

Starting FAKO Score: 08/16/13 - EX: 702 EQ: 694 TU: 702
Starting FICO Score: 08/19/13 - EX: ??? EQ: 700 TU: ???
Lender Pulls: 02/28/14 - EX: 736 EQ: 716 TU: 748
Closed on 04/25/2014 - Loving it!
New Contributor
Posts: 74
Registered: ‎03-07-2013
0 Kudos

Re: splitting rent

When you're in a relationship as serious as yours, you've got to move beyond the "pay/do your fair share, split everything down the middle" mentality.  When you sprain your left ankle, your right leg doesn't berate your left leg for not doing its fair share of the walking. It just picks up the slack and carries on for the good of them both because it knows that if it sprained its ankle, Left Leg would do the same for it.  And clearly, your girlfriend has proven she would pick up your slack if need be.


My advice is, figure out how much money she needs to do what she needs to do, set that amount aside, and use the rest to put towards your guys' rent.  It may be more or less than the income proportion some other forum members have suggested, which is a fine idea, but I think this way is the best way to go about this.

Age: 20 | AAoA: 1.1 Years | TU Fico: 725 | EX Fico: 719 | EQ Fico: 693
Last App: 12/09/2013

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.