Thank You for the prompt response.  OK.  This gives me a better understanding. "Joint expenses are attributed proportionally to income so not necessarily 50%" Understood...

On this note, 

1.   From above,  if  joint expenses are attributable proportionally to  income for each spouse ( say salary, investments, CPP etc)....  what happens when additional shared income is in play,  say from CPP sharing or RRIF income are shared for each spouse, how is this addressed ?

2.  On the basis of #1 above,  say one spouse splits their CPP directly at source (CCP sharing via request to CPP) before CPP starts (to even out  CPP income for both spouses) ,  how  do we account for this in input data?

 3.  In addition to #2 above,  say for example one spouse on their taxes splits pension income (RRIF withdrawal)  starting  @65 with the other spouse, how do we account for this in input data?

For expenses I used joint owner,  but for investment accounts I used individual account owner.  So basically if i understand correctly the App takes 50% of total expenses and finds funds from me and my spouse  to fulfill the requirement (spending + taxes) due to for each individual?