Income & Contribution Equity Analysis
Based on 8 months of transaction data (Jul 2025 – Feb 2026).
Household Income
| Gross | Take-Home | Per Check | Frequency | % of Household |
|---|
| Chris | $225,000/yr | $10,983/mo | $5,069 | Every 2 weeks | 57% |
| Jennifer | $170,000/yr | $8,400/mo | $4,200 | 2x/month | 43% |
| Household | $395,000/yr | $19,383/mo | | | |
Current Split
Household spending flows through three accounts:
| Account | Avg Spending | Funded By |
|---|
| BofA Checking (joint) | $14,473/mo | Both deposit into this |
| Credit Union (Chris's card) | $1,832/mo | Chris's personal funds |
| Chase (joint card) | $1,366/mo | Autopaid from BofA joint |
| Total | $16,305/mo | |
Who deposits what into BofA joint:
| Deposits to Joint | + Personal Cards | Total Contribution | % of Spending | Personal $ Left |
|---|
| Chris | $8,905/mo | $1,832 (CU) | $10,737/mo | 72% | $246/mo |
| Jennifer | $4,169/mo | $0 | $4,169/mo | 28% | $4,231/mo |
Chris is covering 72% of household spending while earning 57% of income.
Chris has $246/mo personal money. Jennifer has $4,231/mo.
Rebalancing Options
Option A: Proportional to Income (57/43)
Each contributes the same percentage of their paycheck.
| Contributes | % | Keeps Personal |
|---|
| Chris | $9,239/mo | 57% | $1,744/mo |
| Jennifer | $7,066/mo | 43% | $1,334/mo |
- Jennifer's BofA deposit goes from ~$4,169 → ~$7,066
- Chris's BofA deposit drops from ~$8,905 → ~$7,407 (or keep CU card and deposit ~$5,575)
- Higher earner keeps more in raw dollars
Option B: Equal Personal Money
Both end up with the same personal spending money.
| Contributes | % | Keeps Personal |
|---|
| Chris | $9,444/mo | 58% | $1,539/mo |
| Jennifer | $6,861/mo | 42% | $1,539/mo |
- Jennifer's BofA deposit goes from ~$4,169 → ~$6,861
- Both keep $1,539/mo for personal spending
- Simplest to manage — neither person has more or less
Option C: Current (no change)
| Contributes | % | Keeps Personal |
|---|
| Chris | $10,737/mo | 72% | $246/mo |
| Jennifer | $4,169/mo | 28% | $4,231/mo |
Summary of Change Needed
| Option | Jennifer's BofA Deposit | Change from Current |
|---|
| Current | $4,169/mo | — |
| Proportional (57/43) | $7,066/mo | +$2,897/mo |
| Equal personal money | $6,861/mo | +$2,692/mo |