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💑 Fill in a cohabitation agreement – free

🇺🇸 Under U.S. law

Living together without marriage? This cohabitation agreement lets you settle fair cost-sharing, joint purchases and the event of separation – clearly and ahead of time. Fill it in in your browser, both sign digitally, save the PDF. Free, no account.

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In brief: the cohabitation agreement

A cohabitation agreement settles money, property and separation for unmarried couples. In most of the US, living together creates no marital rights – a written agreement is the main protection.

Only a handful of states still recognize new common-law marriages; in most states no length of cohabitation creates one.
Courts in most states enforce clear written agreements between unmarried partners on property and expenses.
Unmarried partners do not inherit automatically – each partner needs a will (and up-to-date beneficiary designations) in addition to the agreement.
Real estate ownership is controlled by the deed and how title is held; the agreement alone does not change who owns the home.

Last reviewed: July 2026

Done in 3 steps

No printing, no scanning, no “I’ll do it later”.

Fill in

Every field of the template is presented to you one by one – right in the browser, on your phone too.

Sign

Draw with your finger, scan your real signature from paper or insert your saved one.

Done

Download and send the PDF – or invite the other party to sign via link.

What’s inside

All the important points are prepared – you just fill in the blanks.

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

Why fill it in with Tamgara?

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Completely free

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Stays on your device

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A real signature

Draw with your finger or scan your paper signature – it ends up as clean ink in the PDF (ESIGN/UETA: simple electronic signature).

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Let others sign

Invite the other party via link: they sign in the browser, with live status and a signature report.

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Open the template and just start – a few minutes later you’ll have the finished, signed PDF.

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Frequently asked questions

Does a cohabitation agreement replace marriage?

No. It governs living together and the division of property between unmarried partners, but it creates none of the rights that come with marriage – such as automatic inheritance, spousal benefits or tax treatment. For real estate and estate planning, also see an attorney, and make a will in addition to the agreement.

Is living together for years the same as being married?

No. Only a handful of states still recognize new common-law marriages, and even there specific requirements apply – in most of the US no length of cohabitation creates a marriage. That is exactly why a written agreement matters: without one, unmarried partners have very little legal protection.

What is such an agreement good for?

It creates clarity: who bears which costs, who owns jointly bought furniture, what happens on separation. Courts in most states will enforce a clear written agreement between unmarried partners about property and expenses – a written record prevents later disputes.

What does it cost?

Template, filling in, signing and download are free – no sign-up, no ads. Tamgara is funded through optional extras such as AI document detection; your data is never sold.

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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 U.S. ESIGN Act and state e-signature laws such as UETA (in New York: ESRA); it is not suitable for documents that legally require written form.