this post was submitted on 19 Feb 2025
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My girlfriend and I are planning to move in together in ~3 months.

I own a small apartment in Amsterdam, my mortgage, heating, water and electricity is about 2000 Euro a month, and I earn 30% more than she does.

Some context: Amsterdam is damn expensive and in an housing crisis, since living here she's been paying about 1000/m to rent a room. Both of us earn quite well and money isn't tight

What is a fair way to split costs? I've heard everything from she should live here for free because I was paying for everything anyway to we should split everything 50/50, and I'm not sure what is fair.

I don't think 50/50 is fair, because the way I see it, I'm going to get back a fair amount of the money I pay to my mortgage when I sell the apartment.

So what is fair? My gut feeling is something like we split the heating, electricity, groceries etc. 50/50. And she pays say 500 Euro a month for living here (less than half what she's used to paying in rent)

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[โ€“] [email protected] 5 points 2 days ago

I had my home before I met my ex and my current gf. Like you, I was used to paying for everything, but contributing makes people feel like they're an active part of the whole home situation, so my thought was always:

  1. They get the groceries. They will have different tastes than me, and it's the only bill that really doubled as soon as someone else was here every day.

  2. They are the main provider of outside the house activities. Going out to eat. Buying gifts to bring to parties. A bigger chunk of vacation budgets. I've already got the home expenses covered. I got to pick the home, so they get to pick the outside of home experience for our life together. It splits up the choices instead of just the money.

Both people were making significantly less than me when but relationships started, though but eventually evened out. This split of things also let them ramp spending up or down with how well our overall financial picture was at the time without any worries of actual bills being paid.

Also as I said, I already had picked the home itself solely on my own along with all the furnishings, so letting them spearhead the non-permanent aspects let them feel they contributed an even amount to the relationship and let them put forward their personalities in unique ways. Both people are very different in who they are, and both really enjoyed the way things were split up, so it seems I struck on something.