Two-Household Budget Calculator
Compare your current combined household costs with the projected cost of running two separate homes after separation. See the real budget gap.
This calculator provides estimates only. For official assessments, use these government resources:
- Services Australia — Child Support
- Family Relationships Online — free advice, mediation referrals (1800 050 321)
- Federal Circuit and Family Court of Australia
- Legal Aid — free or low-cost legal help (available in every state)
How this calculator works
Enter your current combined household costs across six categories, then enter the projected costs for the new second household. The calculator compares your current single-household budget with the combined cost of running two homes, shows the dollar increase and percentage change, and compares the total against your combined after-tax income to reveal the budget gap.
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Frequently Asked Questions
How much more does it cost to run two households?
On average, running two separate households costs 30–50% more than a single combined household. The biggest driver is housing — rent or mortgage is typically the largest expense, and you're now paying it twice. Utilities, insurance, and groceries also increase, though not quite double.
What expenses can be shared after separation?
Some costs like children's school fees, medical expenses, and extracurricular activities can be split between parents. Streaming subscriptions, family phone plans, and bulk grocery shopping can also be coordinated. Use our Shared Expenses Splitter to work out fair shares.
How do I close the budget gap?
Common strategies include: downsizing the original home, choosing a more affordable rental, reducing discretionary spending, increasing income through extra work, applying for Family Tax Benefit and other government payments, and negotiating child support that reflects the real costs.
Related Calculators
Separation Cost Planner
Calculate the realistic upfront costs of separating — rental bond, furniture, legal fees, mediation, moving costs, and setting up a new household.
Shared Expenses Splitter
Split shared child-related expenses fairly between separated parents based on income. Cover school fees, medical costs, activities, childcare, and more.
Property Settlement Estimator
Estimate how assets and debts might be divided after separation. Calculate the total asset pool and see an indicative split range based on Australian family law.
