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Couples Budget Spreadsheet 2027: Shared Expenses and Bill Splitting, Excel Template

Price:$9.25

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Highlights

  • Designed by ARLingStudio
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 3 PDF

A couples budget spreadsheet that keeps your money together and apart, and settles up for you. Every payment has who paid it and whether it was for both of you or for one. At the end of the month the file tells you who owes whom, and how much.

WHAT YOU GET
- arling-couples-budget-2027.xlsx: ready for your numbers, 16 categories to start
- arling-couples-budget-2027-sample.xlsx: an example couple filled in to 30 Sep 2027, so you can see every sheet with real numbers first
- Quick start guide (PDF, 3 pages): opening the file in Excel, the first steps, common questions
Plain files, no ZIP, nothing to build yourself.

6 SHEETS
- Start here: 5 steps with a link to every sheet
- Settings: both names, currency, each take home pay, and how you split joint costs: 50/50 or by income (the one who earns more pays a bigger share)
- Budget: up to 40 categories, each with a monthly plan: joint, and personal for each of you; group Needs, Wants or Savings
- Transactions: up to 800 payments with Paid by and For (Joint or one of you); a refund is a minus amount
- Monthly: pick a month: plan against actual for every category, joint and personal; 50/30/20 against both take home pays; Settle up: who owes whom
- Dashboard: the year month by month (joint costs, who paid them, balance), the balance for the year, a chart and a Data check

HOW IT WORKS
- You type in Budget once and in Transactions as you go. Everything else is calculated.
- Settle up counts your share of the joint costs, what each of you paid for them, and what one of you paid for the other.
- Gray cells are calculated and locked without a password, so nothing breaks by accident. One click (Review, Unprotect Sheet) unlocks them.
- Data check finds payments without a date, amount or category, a missing Paid by or For, dates outside the year and more. It says All good or tells you what to fix.
- Any currency: type your symbol in Settings.

WANT THE FULL YEAR BUDGET WITH DEBT PAYOFF AND NET WORTH?
That is our 2027 Budget Spreadsheet: https://www.etsy.com/listing/4583351511/2027-budget-spreadsheet-excel-google

WORKS IN
Microsoft Excel 2016 or newer. We test every release in Excel on Windows. No macros, no scripts, no add ins, no account.

HOW WE TEST IT
Before release the file is recalculated in Microsoft Excel (6,151 formulas, no errors), and every calculated number is compared with a separate calculation written from scratch, in the example file, the empty file and 6 generated years with both split rules and deliberate mistakes. The pictures in this listing are drawn from the example file.

GOOD TO KNOW
- This is a digital download. Nothing is shipped.
- Made for a computer screen. Not tested yet: Excel for Mac, Excel for the web, Google Sheets, phone and tablet apps, Apple Numbers.
- Text and labels are in English.
- The file is a tool for your own records. It is not financial advice.
- Questions or a problem with the file: send us a message and we will help.

Digital download only; no physical item will be shipped. For EU consumers, the statutory right of withdrawal is lost when the supply of digital content begins only if you have expressly consented to immediate supply, acknowledged the loss of that right, and the legally required confirmation has been provided. This does not affect your statutory rights if the files are faulty or not as described, or any applicable Etsy Purchase Protection. If you have trouble accessing or using your purchased files, please send us an Etsy Message with your order number, file name and a description of the problem. We will help you resolve it. Please do not send card or payment details.

AI was used to create the background scene of the listing images.

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Listed on Sep 27, 2026
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