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💑 Fill in a cohabitation agreement – free

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Living together without being married? Settle the everyday money questions in writing: who pays what, whose name is on which account, who owns the couch – and what happens if you go your separate ways. Complete it in the browser, both sign digitally, keep the PDF. Free, no account.

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In brief: cohabiting couples in Ireland

Cohabiting couples in Ireland are not without legal protection: a statutory redress scheme can assist financially dependent qualified cohabitants when a relationship ends. A written agreement adds what the statute leaves open – the everyday financial arrangements.

The redress scheme applies to qualified cohabitants – broadly five years together, or two where there is a child – who are financially dependent.
Formal cohabitants’ agreements can modify the statutory scheme but have their own validity requirements, including independent legal advice – see a solicitor for that.
Unmarried partners do not inherit automatically – each partner needs a will.
Joint purchases without paperwork default to ownership rows – record who paid for what.

Last reviewed: August 2026

Three steps and you’re done

No printer, no scanner, no putting it on the long finger.

Fill in

The template walks you through its fields one at a time – in the browser, phone included.

Sign

Draw with your finger, photograph your signature from paper, or reuse a saved one.

Done

Save the PDF and send it on – or let the other party sign through a link.

What the template covers

The important clauses are already drafted – you only add your details.

Both partners with address and contact
Shared address and start of living together
Cost-sharing and joint household account
Split of rent, utilities, purchases
Personal assets vs. jointly purchased items
Terms for the event of separation
Signatures of both partners

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A real signature

Draw on screen or photograph your paper signature – it lands in the PDF as clean ink (a simple electronic signature under eIDAS).

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Have others sign

Send the other party a link: they sign in their browser, and you follow along with live status and a signature report.

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Common questions

What legal position do cohabiting couples have in Ireland?

More than the old “no rights at all” line suggests: Irish law has a redress scheme under which a financially dependent qualified cohabitant – broadly, after five years living together, or two with a child – can apply to court for certain orders when the relationship ends. A written agreement sits alongside that framework and settles the everyday questions the law does not.

Is this agreement legally binding?

It documents clearly what you both agreed – which is worth a great deal in any later disagreement. Irish law also recognises formal cohabitants’ agreements that can modify the statutory redress scheme, but those carry their own requirements, including legal advice for both sides. For that step, see a solicitor; this template is the everyday layer.

What should we put in it?

The practical things that cause the rows: how rent or the mortgage contribution is split, who pays which bills, the joint account arrangement, who owns what was bought together, and how you would unwind things on a split. Concrete numbers beat vague intentions.

What does it not cover?

Inheritance and property transfers need their own instruments – unmarried partners do not inherit from each other automatically in Ireland, so a will is essential. For anything involving the family home or significant assets, take legal advice.

More free templates for Ireland for Ireland

Note: this template is a carefully prepared sample for simple everyday cases, provided without guarantee and no substitute for legal advice. Tamgara creates simple electronic signatures under the EU eIDAS Regulation, which applies directly in Ireland; it is not suitable for documents that legally require written form.