What's your share?
Enter what each of you has put in. See your indicative ownership split instantly. Free, no signup needed.
If you own a property with someone and you have each contributed different amounts, this calculator shows you an indicative ownership split based on deposits, mortgage payments, overpayments, and capital improvements. It uses the same contribution-weighted formula that most UK Declarations of Trust are based on.
Your best estimate of what the property is worth today.
Monthly mortgage
The total monthly mortgage payment (both of you combined).
Who pays it?
Since you bought the property.
Additional contributions (optional)
Total extra mortgage payments made.
Total extra mortgage payments made.
Kitchen, extension, renovation, etc.
Kitchen, extension, renovation, etc.
Common questions about property splits
How is the ownership split calculated?
Each person's share is proportional to their total contributions. If you put in 60% of the combined deposits, mortgage payments, overpayments, and improvements, your indicative share is 60%. This is the contribution-weighted method used in most UK Declarations of Trust.
Is this the same as what my Declaration of Trust says?
Not necessarily. Your Declaration of Trust sets the legal rules. This calculator applies a common contribution-weighted formula, but your deed may work differently. Always check with your solicitor.
Do regular mortgage payments count?
Yes. Each person's share of the monthly mortgage payment is treated as a contribution. If you split it equally, each person is credited with half. If one person pays more, they are credited with more.
What about mortgage overpayments?
Overpayments reduce the mortgage balance faster and increase equity. Most Declarations of Trust credit the person who made the overpayment, shifting their ownership share upward.
What counts as a capital improvement?
Work that permanently increases the property's value: extensions, new kitchens, bathrooms, rewiring, central heating. Routine maintenance like painting or fixing a leak typically does not count.
Can I track this over time instead of calculating once?
Yes. TrustBadger tracks your contributions month by month with a dated audit trail and produces a solicitor-ready PDF export. This calculator gives you a one-time snapshot; TrustBadger gives you the ongoing record.
This calculator gives an indicative figure based on what you enter. It is not legal advice. Your actual beneficial ownership is determined by your Declaration of Trust and the law. Consult a solicitor for advice specific to your situation. TrustBadger is a record-keeping tool, not a legal instrument.