Work out couple income pooling instantly with clear inputs, formula shown and shareable results.
Partial pooling keeps a defined personal allowance for each partner and pools the rest for joint costs and saving. It preserves autonomy while ensuring shared goals are funded from a single visible pot.
Pooling
Pooled = combined income × (1 - personal share); surplus = pooled - joint expenses
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
Because discretionary spending is the most common source of financial friction, and a defined allowance removes the need to justify it.
Joint goals should be funded jointly; individual goals such as separate retirement accounts still need individual allocation.