Couples Budget Spreadsheet Google Sheets & Excel | Shared Expenses Tracker, Bill Splitter, Joint Budget Planner for Two

Couples Budget Spreadsheet for Google Sheets and Excel: split shared costs 50/50, by income or your own %, and see every month who owes whom.

Money talks go better with one number on the table. Each of you logs what you paid, and the sheet does the splitting: rent, groceries, the dinner you covered last Friday. At the end of the month it says who owes whom and how much, and a shared dashboard tracks your goals together.

WHAT'S INSIDE (8 tabs)
• Start here: setup in 5 steps, how to open it in Google Sheets
• Setup: both names, currency, year, split method, your own shared and personal categories
• Income: 12 months of take-home pay for each partner; each one's share is calculated for you
• Shared Expenses: 600 rows with category, amount, paid by (either of you or the joint account) and an optional split per expense (50/50 or one person only)
• Personal Expenses: each partner's own spending, kept out of the shared pot
• Settle Up: month by month, what each of you paid, each fair share, WHO OWES WHOM and how much, what was paid back and what's still open
• Joint & Goals: joint accounts with monthly contributions and up to 8 couple goals (wedding, house, travel) with progress (bars in Excel, % in Google Sheets) and the month you'll get there
• Dashboard: combined income, shared and personal spending, left over, balance between you, charts (shared spending by category, who paid the shared costs, income vs spending, goals)

HOW IT WORKS
1. Type both names and choose your split: 50/50, by income (each pays in proportion to what they earn, recalculated every month) or a custom %.
2. Log shared costs with who paid. Costs paid from a joint account are already shared.
3. Open Settle Up: one line per month tells you who owes whom. Pay it back, type it in, done.

COLORS AND FILES
4 files: the same budget in 3 color themes (Lavender, Blush, Sage), empty and ready to use, plus one EXAMPLE file filled in for a sample couple so you can see it at work.

COMPATIBILITY
• .xlsx for Microsoft Excel 2016 or newer (Windows, Mac, Excel online) and Google Sheets (free Google account: upload and open, steps in the file); also opens in LibreOffice
• Any currency (one-click in Excel, Format, Number in Google Sheets) · no macros, no add-ons, no subscription
• Formulas are locked so you can't break them by accident; your cells are shaded

PLEASE NOTE
Digital download: nothing is shipped. The photos show the example file. For personal budgeting, not financial advice. For personal use, please don't resell or share the file.
Made with the help of AI tools and checked by hand.