Baby Budget Planner Spreadsheet for Couples, provided in Excel and Google Sheets.

A complete money plan for the two of you — before the baby arrives.

The Couple's Baby Money Blueprint is a 25-tab budget planner built for
expecting couples who want to know exactly where they stand: what the baby
will actually cost, what happens to your income during leave, and how much
you need saved before then.

Works in Excel and Google Sheets. Available in AUD, EUR and GBP — you get
all of them. Instant download.

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WHAT YOU GET

- The Blueprint planner — 25 tabs, every formula built in
- All six editions: AUD, EUR and GBP, in BOTH Excel and Google Sheets
- 6 companion PDF guides
- The Zero-Argument Week — an interactive planning tool
- Video tutorials for every tab, hosted at baby-budget.com/tutorials

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THE 25 TABS

Start Here · Setup · Baby Plan · Leave Plan · Baby Cost Planner ·
Can We Afford a Baby · Return to Work · Baby Fund Countdown ·
Education Fund Countdown · Savings Log · Savings Goals Log · Payment Schedule ·
Monthly Budget · Manual Log · Accounts · Partner 1 Dashboard ·
Partner 2 Dashboard · Combined Dashboard · Calendar ·
Paycheck Dashboard · Annual Dashboard · Distribution Dashboard ·
Needs Wants Dashboard · Debt Payoff · Net Worth

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THE 6 GUIDES

- 5 Money Talks Before Your Baby (8 pages)
- The Money Date Kit (5 pages)
- The Fridge Tracker (1 page)
- Before You Buy (1 page)
- The 2-Minute Money Reset (1 page)
- The Ultimate Travel Budget (1 page)

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HOW IT WORKS

You fill in the Setup tab once — your income, your accounts, your dates.
Everything else updates from there. Both partners get their own dashboard
plus a combined view, so you can see your own picture and the shared one
without arguing over whose spending is whose.

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WHAT YOU NEED

Microsoft Excel, or a free Google account for the Google Sheets version.
The Sheets version comes as a link that makes your own private copy — your
data stays yours and nobody else can see it.

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CAN I CHANGE IT?

Yes. Every income and expense line is yours to rename — "Salary 1",
"Groceries", "Rent" are starting points, not fixed categories. You
set your own amounts, dates, pay frequencies, account names and
partner names.

The cells holding the formulas are locked so a stray click can't
break the maths behind your numbers. If you'd rather have full
control, there's no password on any of it — Excel's Review >
Unprotect Sheet opens a tab up whenever you want.
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FORMAT & COMPATIBILITY

- Spreadsheets: .xlsx — opens in Microsoft Excel on Windows or Mac
- Google Sheets: opens in any browser, free Google account, nothing to install
- Guides: PDF
- Designed for desktop, where you can see a full tab at once

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WHAT IT TRACKS

- Monthly budgeting, plus a per-paycheck view and an annual overview
- Savings targets with countdowns for your baby fund and education fund
- Debt payoff, net worth, and a needs-versus-wants breakdown
- Individual dashboards for each partner, plus a combined one

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LICENCE

For your own use and your partner's. Please don't resell, redistribute,
or share the files or the Google Sheets links. Your purchase gives you
the right to use the planner, not to copy or sell it.

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INSTANT DOWNLOAD

Files are available the moment your payment clears. Nothing is posted to
you — this is a digital product.

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PLEASE NOTE

This planner gives you prompts, structures and calculations based on the
numbers you enter. It is not financial advice and nothing in it is tailored
to your personal circumstances. For advice about your situation, speak to a
qualified professional.

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HOW THIS WAS MADE

This planner and its guides were built using AI tools, directed,
edited and tested by me. Every formula has been checked across all
three currency editions, and the wording is mine to the extent I
chose to keep or change it.

REFUNDS
This is a digital product delivered instantly, so refunds aren't offered for change of mind once the files have been delivered. If the product is faulty, not as described, or you can't access your files, message me or email hello [!at] baby-budget.com within 30 days and I'll fix it or refund you in full. Nothing here limits any rights you have under consumer law that cannot be excluded.