1. Set up your record
Name yourselves — this is about the two of you, not a form. Add the property's current value if you know it, to see an indicative equity split. Nothing here is final; change it any time.
2. Log a contribution
Add each payment as it happens — deposit, mortgage, renovation, or anything else you can show you paid for. Do it now, while it's fresh, not in five years when you're trying to remember who paid the plumber.
3. The record
Every entry, in order, stitched down the middle — yours on the left, your partner's on the right. Proof of a life built together, not just a spreadsheet.
Nothing logged yet. Add your first contribution above — it only takes a moment, and future you will be glad you did.
4. Running totals
Not a legal determination of ownership — just the truth of what happened, in order, so you never have to rely on memory or trust alone.
Current split
Share of total tracked contributions
Running totals over time
Cumulative contribution, entry by entry
By category
Where the money's gone, split by who paid
You
£0
0% of tracked contributions
Partner
£0
0% of tracked contributions
Combined
£0
Add a property value to see an indicative equity split.
Next step
Want this properly protected in writing?
A record is a good start. A Declaration of Trust or Cohabitation Agreement makes your agreed shares legally binding — worth doing once you're both clear on the numbers above.
Cohabiting couples in England and Wales have no automatic right to a share of a partner's property, however long they've lived together. What a court looks at instead — under the Trusts of Land and Appointment of Trustees Act 1996 — is evidence of financial contribution and any agreement, written or implied, about ownership. This tracker helps you build that evidence as you go. It is not legal advice, and the equity figures above are indicative only, based on contribution proportions — a solicitor may weigh other factors differently. If you're facing a dispute, get advice from a family law solicitor before relying on this record.