Money talk,
minus the friction.
Kith is a shared money journal for two people. It splits bills by what each partner actually earns, keeps a clean ledger, and tells you in one sentence who owes whom, so the conversation starts with a number instead of a suspicion.
- No signup
- No bank login
- Data stays in your browser
Try it: split one bill
Live- Alex pays 57.8%
- $1,213.33
- Sam pays 42.2%
- $886.67
Equal percentages, not equal dollars. Each partner keeps 76.7% of their pay after rent.
Open the full calculatorBuilt for the money you share, not the money you don’t
Six things, done properly. Deliberately no bank feeds, no investment advice, and no feature that needs a server to work.
- Fair splits, not equal splits
- Bills divide by income share, 50/50, or any custom percentage you agree. Each expense shows exactly who owes what before you save it.
- One honest balance
- A plain-English line at the top of the dashboard: who owes whom, how much, and a single button to settle it and start clean.
- Category limits that breathe
- See shared spend against rent, groceries, utilities and dining in one glance, with a quiet warning before a category runs hot.
- Sinking funds for two
- Emergency fund, a trip, a downpayment. Each goal tracks who contributed what, so progress is visible and shared.
- Private by design
- No accounts, no bank connections, no server. Your ledger lives in this browser until you choose to share a compressed snapshot link.
- Editorial, not gamified
- No streaks, badges or confetti. Just the numbers, presented calmly enough to discuss on a Sunday morning.
From first rent to a settled month
Open the dashboardSet both incomes
Enter take-home pay for each partner. Kith derives the income ratio used for every shared bill.
Add shared expenses
Log rent, utilities and groceries as you go. Your categories, your words, nothing pre-filled.
Settle once a month
The banner says who owes whom. One click records the transfer and resets the balance to zero.
Grow something together
Point the surplus at a joint goal and watch the bar move, with each partner's contribution visible.
Start with a number you can both see
Three calculators, each with a worked example and the reasoning behind it.
- Calculate
Split bills by income
Two salaries, one rent. See the exact fair share of every shared bill, and what each partner has left afterwards.
- Calculate
Wedding budget estimator
Model guest count, venue, catering and a contingency cushion before you book anything, with a true cost per guest.
- Calculate
50/30/20 for couples
Combine both incomes into needs, wants and savings, then divide each bucket by income so nobody feels short-changed.
The conversations behind the numbers
Splitting costs8 min read
How to split rent fairly when one partner earns more
Equal rent is not always fair rent. A clear method for proportional splitting, what to do about the flat you chose together, and how to keep it from becoming a monthly negotiation.
Accounts7 min read
Joint vs separate bank accounts: what actually works for couples
The three-account setup, the reasons it beats either extreme, and the specific decisions you should make before you merge anything.
Rhythm6 min read
How to have a stress-free monthly money date
A 25-minute agenda that replaces the recurring argument about money: what to review, what to decide, and what to never bring up.
Share a summary as a link
When you want a second pair of eyes, Kith compresses your whole financial state into a single URL. Your partner opens it, sees the same numbers, and can adopt them as their own. No account, no upload, no database. When the link is closed, nothing remains on our side, because there is no our side.
- 1Press Share Summary in the dashboard.
- 2Kith packs the state into the URL.
- 3Send it over any chat app.
- 4They open it, review it, and keep or discard it.
A calmer money month starts with one shared screen
It starts empty, on purpose. Name the two of you, add the categories you actually spend on, and the dashboard fills in around your life rather than a stranger’s.