Couples Budget Google Sheets Template, Joint Account Budget Spreadsheet, Paycheck Budget for Two, Bill Split Tracker, Newlywed Budget

Two paychecks. One joint account. A split that feels fair.

The Couples Paycheck Budget is a dark-mode Google Sheets template for two people who share bills but don't get paid on the same days. Each of you enters your own pay schedule and take-home. The sheet works out one fixed amount each of you moves to the joint account every payday, splits every shared bill the way you choose, keeps the settle-up score for you, and warns you before the joint account dips too low.

★ THIS IS A DIGITAL DOWNLOAD ★
No physical item will be shipped. After purchase you'll download a PDF guide with links to make your own copy of the template in Google Sheets. You need a free Google account to use it.

WHO IT'S FOR
• Couples moving in together or combining finances for the first time
• Newlyweds and engaged couples (a practical wedding or anniversary gift)
• Partners with different paydays: weekly, every 2 weeks, twice a month or monthly
• Couples with different incomes who want a split that feels fair to both
• Anyone running a "yours, mine and ours" money setup with a joint account

WHAT'S INCLUDED
• Start Here guide PDF with your copy links, quick start steps, tips and FAQ
• EXAMPLE version (filled in for a sample couple so you can see how it all works)
• BLANK version (ready for both of your names and numbers)

9 connected tabs:
1. Start Here – 6-step setup: both names, pay schedules and take-home
2. Dashboard – your month together on one screen
3. Our Split – fair share by income, plus the Split Explorer
4. Paychecks – both pay schedules with the move-to-joint amount for every paycheck
5. Joint Account – 8-week forecast with a low-point warning
6. Bills – up to 40 bills, shared or personal
7. Spending – yours, mine, ours log with automatic settle-up
8. Debt – up to 10 debts, shared or personal
9. Savings – up to 10 goals, shared or personal

FEATURES
DASHBOARD
• "Ours · left to spend this month" with a per-day amount and days left
• Each partner's personal fun money left
• Next move-to-joint for each of you, with the date
• Joint balance now and the lowest point in the next 8 weeks
• Who owes whom, shared bills paid this month, goal progress and your debt-free date
• A banner when one of you gets a 3-paycheck month

DIFFERENT PAYDAYS, ONE FIXED TRANSFER
• Each partner picks weekly, every 2 weeks, twice a month (1st & 15th, 15th & last day, or custom days) or monthly
• One fixed "move this to joint" amount per paycheck for each of you
• Optional rounding up (to the next $1, $5, $10…) for tidy transfer amounts
• Weekend paydays can shift to the Friday before

A SPLIT THAT FEELS FAIR
• Default split: by income, 50/50 or a custom %
• Override any single bill: 50/50, by income, custom % or one of you pays all
• Fairness view: share of income vs share of shared costs, and what each of you keeps
• Split Explorer: see what each of you would keep on 50/50, by income, equal leftover or a custom %

JOINT ACCOUNT FORECAST
• Next 8 weeks, week by week: transfers in on real paydays, bills out on due dates
• Set a cushion and get a warning (with a suggested top-up) before you dip under it

YOURS, MINE, OURS SPENDING
• Log each purchase as Ours or for one of you, and whether it came from joint or someone's own money
• Automatic settle-up: paid for something shared from your own card? It keeps the score
• Personal fun money for each partner, no questions asked

BILLS, DEBT & SAVINGS
• Up to 40 bills: monthly, weekly, yearly or one-time, each marked Ours or one of you, with Paid checkboxes
• Up to 10 debts with snowball pay-off order and a debt-free date
• Up to 10 savings goals, shared or personal, with progress bars

EASY ON THE EYES
• Dark mode and the Lexend font, designed for easier reading
• Blue cells = type here. Everything else fills in by itself.
• Phone-friendly Dashboard. Share your copy with your partner and both of you can log from the free Google Sheets app

HOW IT WORKS
1. Download the PDF guide after purchase
2. Click the link and choose "Make a copy" (sign in to Google first)
3. On Start Here, enter both names, how often you're each paid and your take-home pay
4. Pick your split, then add your bills (Ours or one of you)
5. Each payday, move your amount to joint. Log spending as Ours or a name.
6. Each new month, clear the Paid checkboxes. That's the only upkeep.

GOOD TO KNOW
• Google Sheets template. Requires a free Google account.
• Built for Google Sheets, not Excel. You can download it as .xlsx, but some features may look or work differently.
• It works with your numbers; it doesn't connect to your bank.
• This is a budgeting tool, not financial advice.
• Colors may look slightly different on different screens.
• Because this is a digital product, returns and exchanges aren't accepted. If anything isn't working, message me and I'll help.

Disclosure: This template was designed with the help of AI design tools, then built and tested by me.

PERSONAL USE ONLY. You're welcome to share your own copy with your partner. Please don't resell or redistribute the file or links.

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