Apps built for couples offer shared access — two logins looking at the same numbers. That is a different thing from shared ownership. If you and your partner put in unequal deposits, or one of you owned the flat first, then "joint" is not the truth and a tick-box cannot record it.
See it with example data £5.99/month · free trialEvery tracker we could find handles couples one of two ways: one shared pot where everything is "ours", or two separate accounts that never add up. Neither matches how most couples actually own things.
The honest version is a percentage. A house bought with a £90,000 deposit from one person and £60,000 from the other is not 50/50 in anyone's mind, and if you ever separate, remortgage, or sit down with a solicitor, that percentage is the first thing anyone asks for.
A house owned 60/40. Worth £850,000 with a £398,000 mortgage, so £452,000 of equity.
Household view: the full £452,000, alongside both sets of pensions and the joint savings.
His view: £271,200 — sixty per cent of the equity, not sixty per cent of the house price.
Her view: £180,800.
The two shares add back to exactly the household total. A split is arithmetic on one asset, not two entries that drift apart.
| Property value and equity | Split by each person's percentage. The mortgage splits the same way, so equity is right for both. |
|---|---|
| Rent and mortgage payments | Follow the same split, so per-person cash flow is right too. |
| ISAs and pensions | Never split. UK allowances are individual, and pretending otherwise would produce a number that means nothing. |
| Joint accounts | Held jointly, or attributed by agreement — your choice. |
| Companies and family trusts | Modelled as owners in their own right, with your household's share recorded separately. |
There is a second, separate percentage for how much of a property your household owns at all — a place bought with a parent, or held through a company. That scales everyone's figures, and it is not the same thing as the split between you.
Yes — that is the feature this page exists for. Property → edit → "Split between you", enter each percentage, and the shares must total 100.
No. One £5.99 subscription covers the household, including your partner's pensions and investments.
Edit it. Current figures follow the new percentages; historical snapshots are left as they were recorded, because they were true at the time.
Yes. Add the child as a household member and put the account in their name. It counts in the household total and in their own filtered view.
That is the common case, and the design assumes it. One person does the ten minutes a month; the other gets a straight answer whenever they ask.
There is a free joint property equity calculator on this site — value, mortgage and your split, and it works out each person's share. No signup, and nothing leaves your browser.
Try it with the example household Households, trusts and companies →
OwnWorth is a record-keeping and planning tool, not financial, legal or tax advice, and we are not regulated to give any. Figures you enter are your own; projections are estimates based on them.