
## The short answer
A move in together is manageable if you separate **setup**, **logistics**, and **buffer** costs. List them, pick a clear split rule, and add a small margin for the stuff you always forget.

## Rule of thumb
**If it’s not on the list, it’s not in the budget.**

## Minimal numeric example
Total moving budget: 2,300 €
- Setup (deposit, fees): 1,600 €
- Logistics (truck, boxes, fuel): 350 €
- Buffer (small purchases): 350 €
Split 50/50: 1,150 € each, or proportional if incomes differ.

## Steps for a calm move
1) **List fixed costs** (deposit, fees, first month).
2) **List logistics** (truck, boxes, parking).
3) **Add a buffer** (10–15%).
4) **Choose a split rule** (50/50 or proportional).
5) **Set a weekly check‑in** until moving day.

## If / Then
- **If incomes differ a lot**, use proportional to avoid pressure.
- **If you’re buying furniture**, separate “must‑have” from “nice‑to‑have”.
- **If time is short**, increase the buffer.

## The costs people forget
- Small gear: curtains, extension cords, tools.
- Address changes: mail forwarding, new subscriptions.
- “Lost days”: takeout, quick trips, last‑minute rentals.

These small items add up and are the real reason budgets slip.

## 48‑hour checklist
- Truck confirmed?
- Deposit and first month ready?
- Keys and documents centralized?
- Buffer still available?

## What creates tension (avoid it)
- Deciding the budget “by feel”.
- Adding purchases without telling the other person.
- Splitting costs only after the move.

## Signs your plan is solid
- You both know exactly what you owe.
- Last‑minute purchases don’t start arguments.
- You keep some margin at month‑end.

## A tiny weekly check (5 minutes)
Once a week, ask three things: did any cost change, did we add anything, are we still within the buffer?  
Short checks keep the budget calm without turning it into a project.

## Common mistakes
- Underestimating “small” setup costs.
- Splitting expenses only after the move.
- Skipping the buffer because “we’re careful.”

## If money is tight
Focus on the essentials first: deposit, utilities, and basic furniture.  
Anything optional can wait one month. Delaying a purchase is often cheaper than stretching the budget.

## Mini FAQ
**Do we need a joint account for the move?**
No. A shared budget is enough.

**What if one person pays upfront?**
Write it down and set a clear payback date.

## Related guides
- [Simple couple budget: a 2‑minute method](/guides/money-as-a-couple/simple-couple-budget)
- [50/50 or proportional split for couples?](/guides/money-as-a-couple/split-50-50-or-proportional)

## Next practical step (no pressure)
Draft the first cost list and add 10% buffer. That alone prevents most surprises.
Keep the list visible for both of you.
It keeps decisions aligned.


Estimate moving costs, split them fairly, and avoid surprises with a clear, simple method.

shared life projects

Moving in together without blowing the budget