Couples Budget Spreadsheet Bill Split Calculator Who Owes Who Family Budget Planner Excel Google Sheets Shared Expense Tracker

★ COUPLES & FAMILY BUDGET — TWO PAYCHECKS. ONE TEAM. ★

Money talks. Without the fight.

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▸ WHO ACTUALLY PAID THE ELECTRIC BILL?

If money conversations at your house start there — who paid, who owes, whose turn — the problem was never the two of you. It's that nobody could see the whole picture. This spreadsheet is the whole picture: both paychecks, every shared bill, both sets of fun money, one dashboard.

▸ WHAT MAKES THIS ONE DIFFERENT?

One sentence, right at the top of the Dashboard:

"Jordan pays Alex $786.73 this month."

That's the settle-up. It reads every shared bill and every logged expense, checks who actually fronted the money, nets both directions, and hands you one number — to the penny. No mental math, no receipts spread across the table, no "I feel like I always pay for everything."

▸ HOW DO YOU WANT TO SPLIT? (PICK ONCE — IT'S AUTOMATIC FOREVER)

• 50/50 — clean, equal halves
• PROPORTIONAL TO INCOME — each pays the same % of what they earn (the fairness favorite when paychecks don't match)
• CUSTOM % — you two pick the number
• BY ITEM — set a % per bill, for the "I never use the streaming bundle" crowd

Change the method on the Start Here tab and every bill, every share, and the settle-up recalculate instantly.

▸ WHAT'S INSIDE? — 16 CONNECTED TABS

① Start Here — names, incomes, split method: 3 steps, ~5 minutes
② Dashboard — settle-up + six live numbers + cash-flow and category charts
③ Monthly Budget — shared + each of you, budget vs actual, over-budget shading
④ Bill Split — the four methods and the who-owes-whom box
⑤ Shared Expenses — log it once; every tab reads it
⑥⑦ Personal Spending ×2 — guilt-free money, one tab each, zero judgment
⑧ Income — semi-monthly, biweekly, side gigs; the rollup handles the mess
⑨ Bill Calendar — 12 months of due dates at a glance
⑩ Debt Tracker — snowball order + estimated months to freedom
⑪ Savings Goals — every dream gets a progress bar and an arrival date
⑫ Sinking Funds — annual bills ÷ 12 = no more "surprise" December
⑬ Net Worth — yours, theirs, ours + the trend line you want going up
⑭ Annual Overview — the whole year, one screen
⑮ Money Meeting — the 15-minute monthly huddle (see below)
⑯ Lists — the engine room; rename categories and every dropdown follows

Type your real names once and every header, dropdown, and the settle-up sentence swap to them automatically.

▸ WHAT'S A "MONEY MEETING"?

The habit that makes this work. Once a month, 15 minutes: the tab fills in last month's 3 numbers for you (money in, money out, kept), gives you a six-step agenda, talking prompts that aren't awkward, and one decision box. Nobody's on trial — you're two people versus a problem, never versus each other. A printable Money Date agenda (PDF) is included for the paper-on-the-fridge crowd.

▸ "WE'VE TRIED THIS BEFORE."

"One of us is a spreadsheet person. The other is very much not." — You only ever type in the warm highlighted cells. Everything else does its own math. If a cell won't let you type, it's working for you.

"Our paydays are chaos — biweekly, semi-monthly, side gigs." — Log every paycheck as it lands; the Income tab rolls it up by month and person and even catches the two 3-paycheck months a year.

"Won't tracking separate money feel like surveillance?" — Each of you gets a personal tab with an agreed monthly number and zero line-item judgment. Spent it on golf or glitter — it was already agreed, so it's never an argument.

▸ WHAT YOU GET

• The 16-tab workbook — Excel AND Google Sheets, one calm light theme
• 978 live formulas — you type, it calculates
• 4 bill-split methods + the automatic settle-up
• BONUS: Money Date agenda — printable 1-page PDF
• Plain-English README with step-by-step Google Sheets import
• Pre-filled sample couple so you see it working before you commit your numbers
• Free updates forever · fast support from a real person
• Instant digital download — no subscription, ever

▸ QUICK ANSWERS

Q: Does it work in Google Sheets?
A: Yes — built and tested for both. Upload to Drive, right-click, Open with Google Sheets. The README walks you through it.

Q: Which Excel versions?
A: Excel 2016 or newer, Excel for Mac, and Excel for the web.

Q: Can we use our own names and categories?
A: That's the whole point. Names change on Start Here; categories change on the Lists tab; everything re-labels itself.

Q: We're not married / we're roommates / we're a family of five. Still fit?
A: If two people share bills, it fits. There's a Kids category for families and a "split? N" switch for anything that's yours alone.

Q: Is it on my phone?
A: It works in the Excel and Sheets mobile apps for logging on the go — do the 5-minute setup on a computer first.

Q: Subscription? Ads? Linked bank account?
A: None of the above. Your numbers stay in your file.

▸ COMPLETE THE SET

• Budget Planner & Bill Organizer (all-in-one personal budget): https://www.etsy.com/dk-en/listing/4522930455/budget-planner-spreadsheet-monthly
• Bill Tracker & Bill Calendar: https://www.etsy.com/dk-en/listing/4536272360/bill-tracker-spreadsheet-bill-calendar

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INSTANT DOWNLOAD · This is a digital product; no physical item ships. You get the ZIP (spreadsheet + PDF + README) the moment checkout clears.

NicheToolkits — tools that do the math so you two can do the talking.

🎥 WATCH THE FULL WALKTHROUGH ON YOUTUBE → https://youtu.be/xR92xndfcCw