Couples Budget Spreadsheet | Split Bills 50/50 or by Income, Joint Account Planner & Settle Up | Excel and Google Sheets

No app. No sign-up. No subscription. Yours to keep.

Includes a filled-in Example to show you how it works, and a clean Blank that's ready to use: nothing to clear first.

Who pays what, fairly, without the awkward chats. Enter both take-home pays and your shared bills once, and this budget splits everything 50/50, by income or your own way, tells you each how much to move into the joint account every pay, and shows who owes whom each month.

What's inside
- Setup: both names, take-home pay and how often you're each paid (weekly, biweekly, twice a month, every 4 weeks or monthly), and your usual split
- Shared Bills: up to 30 bills, weekly to yearly, each with its own split and who pays it (joint account or one of you)
- Joint Account: how much each of you transfers per month and per pay, with an optional buffer
- Spending Log: shared purchases, who paid and how to split them
- Settle Up: January to December, who owes whom and how much, worked out for you
- Summary: shared costs vs what's left for each of you, a chart, and spending by category
- Start Here: a clickable index, with separate steps for Excel and Google Sheets

Splitting by income means you each put the same share of your pay towards shared costs.
Amounts in US dollars.

Why you'll like it
- Every formula is tested before it goes in the shop
- Nothing is locked: change anything you like
- 2 looks (Soft and Classic), each as a Blank and a filled-in Example
- Works in Microsoft Excel and Google Sheets (free). Best on a computer; also opens on phone or tablet

Format: Excel files (.xlsx) that also open in Google Sheets, plus a quick-start PDF guide.
This is a digital download. No physical item will be sent.
Designed by SumItAllUp and built with the help of AI tools. Every formula is tested before it goes in the shop.
A planning tool, not financial advice. Always check amounts against your bank statements.
Questions? Send us a message: we're happy to help.