diff --git a/reporting/src/lib.rs b/reporting/src/lib.rs
index a4670393..f5709b3d 100644
--- a/reporting/src/lib.rs
+++ b/reporting/src/lib.rs
@@ -206,6 +206,8 @@ pub enum ReportingError {
     InvalidDependencyAddressConfiguration = 6,
     /// Report period range is invalid (`period_start` is greater than `period_end`).
     InvalidPeriod = 7,
+    /// Invalid percentage split summing to > 10000 or != 10000
+    InvalidPercentageSplit = 8,
 }
 
 #[contracttype]
@@ -799,13 +801,26 @@ impl ReportingContract {
             }
         };
 
-        let split_amounts = match split_client.try_calculate_split(&total_amount) {
-            Ok(Ok(res)) => res,
-            _ => {
-                availability = DataAvailability::Partial;
-                Vec::new(env)
+        let mut split_amounts = Vec::new(env);
+        if availability == DataAvailability::Complete {
+            let mut sum = 0u32;
+            // Percentages are stored as basis points (bps), where 10000 = 100.00%
+            for i in 0..split_percentages.len() {
+                let p = split_percentages.get(i).unwrap_or(0);
+                sum = sum.checked_add(p).ok_or(ReportingError::InvalidPercentageSplit)?;
+                if sum > 10000 {
+                    return Err(ReportingError::InvalidPercentageSplit);
+                }
+                
+                // Formula used is (amount * percentage) / 10000
+                let amount = total_amount.checked_mul(p as i128).unwrap_or(0) / 10000;
+                split_amounts.push_back(amount);
             }
-        };
+
+            if sum != 10000 {
+                return Err(ReportingError::InvalidPercentageSplit);
+            }
+        }
 
         let mut breakdown = Vec::new(env);
         let categories = [
@@ -1140,7 +1155,7 @@ impl ReportingContract {
         let health_score =
             Self::calculate_health_score_internal(&env, user.clone(), total_remittance);
         let remittance_summary =
-            Self::get_remittance_summary_internal(&env, total_remittance, period_start, period_end);
+            Self::get_remittance_summary_internal(&env, total_remittance, period_start, period_end)?;
         let savings_report =
             Self::get_savings_report_internal(&env, user.clone(), period_start, period_end);
         let bill_compliance =
diff --git a/reporting/src/tests.rs b/reporting/src/tests.rs
index f2c4b2a9..a3eda5f9 100644
--- a/reporting/src/tests.rs
+++ b/reporting/src/tests.rs
@@ -29,19 +29,19 @@ mod remittance_split {
     impl RemittanceSplit {
         pub fn get_split(env: &Env) -> Vec<u32> {
             let mut split = Vec::new(env);
-            split.push_back(50);
-            split.push_back(30);
-            split.push_back(15);
-            split.push_back(5);
+            split.push_back(5000);
+            split.push_back(3000);
+            split.push_back(1500);
+            split.push_back(500);
             split
         }
 
         pub fn calculate_split(env: Env, total_amount: i128) -> Vec<i128> {
             let mut amounts = Vec::new(&env);
-            amounts.push_back(total_amount * 50 / 100);
-            amounts.push_back(total_amount * 30 / 100);
-            amounts.push_back(total_amount * 15 / 100);
-            amounts.push_back(total_amount * 5 / 100);
+            amounts.push_back(total_amount * 5000 / 10000);
+            amounts.push_back(total_amount * 3000 / 10000);
+            amounts.push_back(total_amount * 1500 / 10000);
+            amounts.push_back(total_amount * 500 / 10000);
             amounts
         }
     }
@@ -590,7 +590,7 @@ fn test_get_remittance_summary() {
     let spending = summary.category_breakdown.get(0).unwrap();
     assert_eq!(spending.category, Category::Spending);
     assert_eq!(spending.amount, 5000);
-    assert_eq!(spending.percentage, 50);
+    assert_eq!(spending.percentage, 5000);
 }
 
 #[test]
diff --git a/reporting/src/tests_updated.rs b/reporting/src/tests_updated.rs
index 7d2f710a..438dd1ab 100644
--- a/reporting/src/tests_updated.rs
+++ b/reporting/src/tests_updated.rs
@@ -12,19 +12,19 @@ mod remittance_split {
     impl RemittanceSplit {
         pub fn get_split(env: &Env) -> Vec<u32> {
             let mut split = Vec::new(env);
-            split.push_back(50);
-            split.push_back(30);
-            split.push_back(15);
-            split.push_back(5);
+            split.push_back(5000);
+            split.push_back(3000);
+            split.push_back(1500);
+            split.push_back(500);
             split
         }
 
         pub fn calculate_split(env: Env, total_amount: i128) -> Vec<i128> {
             let mut amounts = Vec::new(&env);
-            amounts.push_back(total_amount * 50 / 100);
-            amounts.push_back(total_amount * 30 / 100);
-            amounts.push_back(total_amount * 15 / 100);
-            amounts.push_back(total_amount * 5 / 100);
+            amounts.push_back(total_amount * 5000 / 10000);
+            amounts.push_back(total_amount * 3000 / 10000);
+            amounts.push_back(total_amount * 1500 / 10000);
+            amounts.push_back(total_amount * 500 / 10000);
             amounts
         }
     }
@@ -457,7 +457,7 @@ fn test_get_remittance_summary() {
     // Check category breakdown
     let spending = summary.category_breakdown.get(0).unwrap();
     assert_eq!(spending.amount, 5000);
-    assert_eq!(spending.percentage, 50);
+    assert_eq!(spending.percentage, 5000);
 }
 
 #[test]