For example, my mortgage is $600 per month, my girlfriend wants to pay me $600 additional per month bringing my total payment to $1,200 for the month. It is only my name on the house. I was curious if paying over the minimum mortgage payment would make her additional $600 to be considered income instead of shared expenses. Bonus points question: if we go through in this manner is it best for her to pay my account directly (ie. Gift me the money)... Or option 2 open shared account we both pay into and debit said account. Any help is greatly appreciated!