Couples Budget Planner Spreadsheet for Google Sheets and Excel

COUPLES BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

A couples budget spreadsheet for couples finances: keep what's shared separate from what's personal. You choose how to split shared costs, and every purchase says whose it was and who paid.
Works whichever way you split costs: 50/50, by income, or a custom percentage.

📊 WHAT IT DOES

✓ Spending: log every purchase with whose it was and who paid; each line shows who owes whom.
✓ Fixed: list every repeating bill with whose it is and which account pays it.
✓ Split rule: compares 50/50, by income and a custom split, side by side, on your own numbers.
✓ Fair share: shows each person's part of shared costs this month and on average.
✓ Settle up: turns the month into one number, one direction, one transfer.
✓ Personal money: sets aside the same allowance for each of you that neither has to explain.
✓ Talk first: flags purchases above a limit you agree on, so you talk before you buy.
✓ Money date: gives you a ready-made agenda for a short monthly money talk.

📂 WHAT'S INSIDE: 30 TABS AND 75 CHARTS

✓ Get started: Home, Start here, Setup, Income, Spending, Fixed, Accounts
✓ Splitting costs: Split rule, Fair share, Who paid, Settle up, Personal money, Bill owners, Talk first, Money date
✓ Shared money: Shared costs, Emergency fund, Goals, Subscriptions, Debt, Net worth
✓ Reports: Months, Year, Categories, Tight month
✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, fill in the shaded cells: both names, how you split shared costs, your personal money each month and your talk-first limit.
3. Add bills on Fixed and log every purchase on Spending, with whose it was and who paid.
4. Everything else fills in by itself. Home shows what you owe each other right now and what's shared this month.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel on Windows or Mac
✓ A filled example to look around, and a blank copy for your own data
✓ A PDF with the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.
This planner is a tool for your own records, not financial advice.