diff --git a/app/api/households/[id]/fair-split/route.ts b/app/api/households/[id]/fair-split/route.ts
new file mode 100644
index 0000000..6dcd7b0
--- /dev/null
+++ b/app/api/households/[id]/fair-split/route.ts
@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/fair-split`);
+}
diff --git a/app/settings/households/page.tsx b/app/settings/households/page.tsx
index 3387f25..08a8cbe 100644
--- a/app/settings/households/page.tsx
+++ b/app/settings/households/page.tsx
@@ -125,6 +125,31 @@ type DashboardData = {
   recentTransactions: RecentTransaction[];
 };
 
+type FairSplitResult = {
+  expenseAmount: number;
+  splitMode: "equal" | "income_weighted" | "custom";
+  mineMonthlyIncome: number;
+  yoursMonthlyIncome: number;
+  totalIncome: number;
+  incomeShares: {
+    mine: number;
+    yours: number;
+  };
+  split: {
+    minePercent: number;
+    yoursPercent: number;
+    mineAmount: number;
+    yoursAmount: number;
+  };
+  transactionDefaults: {
+    attribution: "ours";
+    splitMode: "equal" | "custom";
+    splitMinePercent: number;
+    splitYoursPercent: number;
+  };
+  rationale: string;
+};
+
 const money = new Intl.NumberFormat("en-US", {
   style: "currency",
   currency: "USD",
@@ -173,6 +198,15 @@ export default function HouseholdSettingsPage() {
     priority: "medium" as "low" | "medium" | "high",
   });
   const [goalContributions, setGoalContributions] = useState<Record<string, string>>({});
+  const [fairSplitDraft, setFairSplitDraft] = useState({
+    expenseAmount: "",
+    mineMonthlyIncome: "",
+    yoursMonthlyIncome: "",
+    splitMode: "income_weighted" as "equal" | "income_weighted" | "custom",
+    customMinePercent: "50",
+  });
+  const [fairSplitResult, setFairSplitResult] = useState<FairSplitResult | null>(null);
+  const [fairSplitStatus, setFairSplitStatus] = useState("");
   const [loading, setLoading] = useState(true);
   const [saving, setSaving] = useState(false);
   const [status, setStatus] = useState("");
@@ -349,6 +383,36 @@ export default function HouseholdSettingsPage() {
     await loadInvites(selectedId);
   };
 
+  const calculateFairSplit = async (event: FormEvent) => {
+    event.preventDefault();
+    if (!selectedId) return;
+    const expenseAmount = Number.parseFloat(fairSplitDraft.expenseAmount);
+    if (!Number.isFinite(expenseAmount) || expenseAmount <= 0) {
+      setFairSplitStatus("Enter an expense amount greater than zero.");
+      return;
+    }
+    setFairSplitStatus("Calculating fair split...");
+    const res = await apiFetch<FairSplitResult>(`/api/households/${selectedId}/fair-split`, {
+      method: "POST",
+      body: JSON.stringify({
+        expenseAmount,
+        mineMonthlyIncome: Number.parseFloat(fairSplitDraft.mineMonthlyIncome || "0"),
+        yoursMonthlyIncome: Number.parseFloat(fairSplitDraft.yoursMonthlyIncome || "0"),
+        splitMode: fairSplitDraft.splitMode,
+        customMinePercent: fairSplitDraft.splitMode === "custom"
+          ? Number.parseFloat(fairSplitDraft.customMinePercent)
+          : undefined,
+      }),
+    });
+    if (res.error) {
+      setFairSplitResult(null);
+      setFairSplitStatus(res.error.message ?? "Unable to calculate split.");
+      return;
+    }
+    setFairSplitResult(res.data);
+    setFairSplitStatus("");
+  };
+
   const updateMemberAccess = async (member: HouseholdMember, payload: { role?: string; status?: string }) => {
     if (!selectedId) return;
     const res = await apiFetch<HouseholdMember>(`/api/households/${selectedId}/members/${member.id}`, {
@@ -500,6 +564,92 @@ export default function HouseholdSettingsPage() {
               </div>
             </div>
 
+            <div className="glass-panel rounded-2xl p-6 shadow-sm">
+              <div className="grid gap-6 lg:grid-cols-[0.9fr_1.1fr]">
+                <div>
+                  <p className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">Fair split calculator</p>
+                  <h2 className="mt-2 text-xl font-bold text-foreground">Split shared expenses by income or custom share</h2>
+                  <p className="mt-2 text-sm text-muted-foreground">
+                    Calculate a household split before applying the same percentages to a shared transaction.
+                  </p>
+                  {fairSplitResult ? (
+                    <div className="mt-5 grid gap-3 sm:grid-cols-2">
+                      <div className="rounded-xl border border-border bg-background/40 p-4">
+                        <p className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">Mine</p>
+                        <p className="mt-2 text-2xl font-bold text-foreground">{formatMoney(fairSplitResult.split.mineAmount)}</p>
+                        <p className="text-sm text-muted-foreground">{fairSplitResult.split.minePercent}% share</p>
+                      </div>
+                      <div className="rounded-xl border border-border bg-background/40 p-4">
+                        <p className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">Yours</p>
+                        <p className="mt-2 text-2xl font-bold text-foreground">{formatMoney(fairSplitResult.split.yoursAmount)}</p>
+                        <p className="text-sm text-muted-foreground">{fairSplitResult.split.yoursPercent}% share</p>
+                      </div>
+                      <p className="text-sm text-muted-foreground sm:col-span-2">
+                        {fairSplitResult.rationale} Transaction default: {fairSplitResult.transactionDefaults.splitMode} split with ours attribution.
+                      </p>
+                    </div>
+                  ) : null}
+                </div>
+                <form onSubmit={calculateFairSplit} className="grid gap-3 md:grid-cols-2">
+                  <input
+                    type="number"
+                    min="0"
+                    step="0.01"
+                    value={fairSplitDraft.expenseAmount}
+                    onChange={(event) => setFairSplitDraft((prev) => ({ ...prev, expenseAmount: event.target.value }))}
+                    placeholder="Expense amount"
+                    className={inputClass}
+                  />
+                  <select
+                    value={fairSplitDraft.splitMode}
+                    onChange={(event) => setFairSplitDraft((prev) => ({ ...prev, splitMode: event.target.value as "equal" | "income_weighted" | "custom" }))}
+                    className={inputClass}
+                  >
+                    <option value="income_weighted">Income-weighted</option>
+                    <option value="equal">Equal 50/50</option>
+                    <option value="custom">Custom percent</option>
+                  </select>
+                  <input
+                    type="number"
+                    min="0"
+                    step="0.01"
+                    value={fairSplitDraft.mineMonthlyIncome}
+                    onChange={(event) => setFairSplitDraft((prev) => ({ ...prev, mineMonthlyIncome: event.target.value }))}
+                    placeholder="Mine monthly income"
+                    className={inputClass}
+                  />
+                  <input
+                    type="number"
+                    min="0"
+                    step="0.01"
+                    value={fairSplitDraft.yoursMonthlyIncome}
+                    onChange={(event) => setFairSplitDraft((prev) => ({ ...prev, yoursMonthlyIncome: event.target.value }))}
+                    placeholder="Yours monthly income"
+                    className={inputClass}
+                  />
+                  {fairSplitDraft.splitMode === "custom" ? (
+                    <input
+                      type="number"
+                      min="0"
+                      max="100"
+                      step="0.01"
+                      value={fairSplitDraft.customMinePercent}
+                      onChange={(event) => setFairSplitDraft((prev) => ({ ...prev, customMinePercent: event.target.value }))}
+                      placeholder="Mine percent"
+                      className={inputClass}
+                    />
+                  ) : null}
+                  <button
+                    type="submit"
+                    className="rounded-lg bg-primary px-4 py-2 text-sm font-bold text-primary-foreground hover:bg-primary/90 md:col-span-2"
+                  >
+                    Calculate split
+                  </button>
+                  {fairSplitStatus ? <p className="text-sm text-muted-foreground md:col-span-2">{fairSplitStatus}</p> : null}
+                </form>
+              </div>
+            </div>
+
             <div className="grid gap-6 xl:grid-cols-[0.9fr_1.1fr]">
               <div className="glass-panel rounded-2xl p-6 shadow-sm">
                 <div className="flex items-center justify-between gap-3">