Couples Budget Spreadsheet Google Sheets, Shared Expense Tracker, Split Bills Fairly, Joint Savings Goals

Budget together without the awkward money talks. This Google Sheets template tracks every shared cost, splits it fairly (by income, 50/50 or one person pays) and tells you exactly who owes who, month by month.

WHAT'S INSIDE

- Dashboard: pick a month or the full year and see combined income, shared spending, what each of you paid vs your fair share, a clear settle-up message (for example "Sam owes Alex $631.97"), shared spending by category, who paid vs fair share, joint goals and a month-by-month chart
- Shared Expenses: date, what, category, who paid, amount and split. Each partner's share is calculated for every cost
- Monthly Budget: pick a month and see your joint budget vs spent for every category, what is left and who paid
- Settle Up: 12 months of paid vs fair share, the balance and who owes whom, with a Settled tick box, plus what is still to settle
- Joint Goals: target, saved so far, target date, what to save each month, a progress bar and a status
- Setup: both names, monthly incomes, your default split, 25 currencies and your shared categories
- Start Here tab with simple instructions

TWO VERSIONS
You get a sample version filled with example data so you can see how everything works, and a blank version ready for your own numbers.

HOW IT WORKS
1. After purchase, download the PDF from your Etsy purchases.
2. Click the link in the PDF. Google asks you to make a copy, which is saved to your own Google Drive. Share it with your partner so you can both edit.
3. Add both names and incomes on the Setup tab, then log shared costs as you go.

GOOD TO KNOW
- Works for couples, partners and roommates
- Works in Google Sheets on computer, tablet and phone (editing is easiest on a computer)
- A free Google account is needed
- Not made for Excel or Numbers
- This is a digital product. No physical item will be shipped
- For personal use only. Please do not share or resell
- Because this is a digital download, returns are not accepted. If you have any problem, message me and I will be happy to help