Sort the numbers first
Free calculators for the money side of share housing and private loans. No account, nothing saved or sent anywhere.
Which tool do you need?
Sharing a home
Use the bill split calculator to work out each person's share of rent, electricity, gas, water and internet. Choose an equal split or custom percentages.
Lending or borrowing money
Use the loan repayment calculator to see the repayment amount, total interest and full schedule for a private loan, including a loan with no interest.
Once you have the numbers
Write them down so everyone remembers the same deal. You can create a housemate agreement or create a private loan agreement and e-sign it online, from $3.99. The calculators stay free either way.
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Frequently asked questions
Are these calculators really free?
Yes. There is no account or payment, and you can use them as often as you like.
Do you save the numbers I enter?
No. The calculators run in your browser, and your figures are not saved or sent to us.
How should housemates split bills fairly?
Many houses split shared costs like internet equally, then use agreed percentages for bills that depend on room size or use. The bill split calculator handles both, and it helps to write the result into a housemate agreement.
Can I work out a loan with no interest?
Yes. Enter 0% in the loan repayment calculator, which is common for loans between friends or family.
Are the results financial or legal advice?
No. They are estimates to help you work out the numbers. Check anything important with a qualified adviser.