Couples Budget Planner Spreadsheet — Joint Budget, Bill Splitter & Shared Goals Tracker for Google Sheets and Excel, Budget Template

One budget, two people, zero money fights. The Couples Budget Planner gives you and your partner a single shared system: plan shared and personal spending side by side, split every shared bill fairly by percentage, see who actually paid what, and watch your shared goals fill up together.

• DASHBOARD — total budgeted vs total actual spending, remaining vs budget, total shared bills with each partner's share owed, who actually paid (pulled from your transactions), and your shared goals progress — all pulled in automatically
• MONTHLY BUDGET — 16 categories grouped Shared (rent, utilities, groceries, dining out, transportation, insurance, household, entertainment, subscriptions, date night) plus personal spending for Partner A and Partner B. Actual spending pulls automatically from the Transactions log via SUMIFS, and Difference (Budgeted − Actual) calculates itself, with a TOTAL row
• BILLS & SPLIT — 10 shared bills: set Partner A's share % for each bill and Partner B's share, plus what each of you owes, calculate themselves, with TOTAL amounts and owes
• TRANSACTIONS — one row per purchase: date, description, category (dropdown matching your budget categories), who paid — Partner A or Partner B (dropdown) — and amount. 25 sample rows are prefilled so you can see every formula working
• SHARED GOALS — 5 shared goals (Emergency Fund, Vacation, New Car Fund, Home Down Payment, Holiday Gifts): target, saved, remaining, % saved, and Monthly Needed (remaining ÷ months) all calculate themselves, with a TOTAL row
• START HERE — a 5-step setup guide; up and running in minutes

WHAT'S INSIDE (6 sheets):
• START HERE — 5-step setup guide
• DASHBOARD — your money together at a glance, fully automatic
• MONTHLY BUDGET — 16 categories with Budgeted, Actual (automatic) & Difference
• BILLS & SPLIT — 10 shared bills with % split and amounts owed per partner
• TRANSACTIONS — spending log with Category and Paid By dropdowns
• SHARED GOALS — 5 goals with target, saved, remaining, % saved & monthly needed

HOW IT WORKS: Download instantly → type in the yellow cells → everything calculates automatically. No spreadsheet skills needed — if you can type, you can run this. Rename "Partner A" and "Partner B" to your own names anywhere you like.

WHAT YOU GET: 1 Excel file (.xlsx, 6 sheets), works in Microsoft Excel and Google Sheets. Instant download.

PLEASE NOTE: Digital download; no physical item ships. The file comes prefilled with realistic sample data (a $3,230 joint budget, $2,270 in shared bills split between both partners, and 5 shared goals) so you can see every formula working — just type over it with your own numbers.

FREQUENTLY ASKED QUESTIONS:

Q: I opened the spreadsheet in Google Sheets and it says "view only" — how do I edit it?
A: That happens with Google Sheets from time to time. Open the file, then in the top menu choose File → Make a copy. The copy belongs to you and is fully editable. If it still won't open, try a computer or laptop instead of a phone, a different browser, make sure you're signed in to Google Sheets, and check that your Google Drive has space. Still stuck? Message me on Etsy and I'll help you sort it out.

Q: I can't download my purchase on my phone — what am I doing wrong?
A: Nothing — the Etsy app doesn't support downloading files. Open your browser (log out of the Etsy app first if it keeps redirecting you), sign in to Etsy, and download from your Purchases page on a mobile browser, or use a laptop or desktop. Once the file is saved you can open it on your phone any time.

Q: What exactly is a spreadsheet template?
A: It's a ready-made spreadsheet with all the formatting and formulas already built in. Download it, type in the yellow cells, and everything else calculates itself. Colors, headings and layout can be customized if you like, but you never need to touch a formula.

Q: Can I return or exchange my purchase?
A: Because this is a digital download, returns and exchanges aren't possible once the file has been downloaded — you'll always keep access to it in your Etsy account. If you bought it by accident and haven't downloaded it yet, send me a message and I'll take care of it.

Q: Is it available in other languages?
A: Right now the planner is in English only.

Made by a real person: I'm Michael — 15 years in HR, 15 years reselling, and the guy who built this tool for his own life first. I create with AI assistance, then refine and test every file myself. If it doesn't fit how you work, message me in the shop and I'll help you tweak it. — Michael

MY PROMISE — FREE TWEAKS, REAL PERSON: This spreadsheet was built by a real seller (that's me, Michael) and I stand behind it. If you need the currency changed, the colors adjusted, categories renamed, or the formatting fitted to the way you budget, just message me here in the shop and I'll make the tweak for you — free, no catch. Same if you get stuck setting it up: send me a message and I'll walk you through it. I'd rather adjust the file than have it sit unused in your downloads.

***This digital product has been created with the assistance of AI Tools, then refined by me, the seller***

A note on the images and video: the cover artwork (and the presenter in the demo video, where one appears) is AI-generated. The preview images in this listing show actual pages from the digital file you will receive.