Couples Budget Spreadsheet Google Sheets Excel | Shared Expense Tracker, Split Bills 50/50 or by Income, Joint Finances Planner

Budget together without the awkward money talks: one shared plan, every expense split fairly, and a clear answer to who owes whom.

This Couples Budget is a ready-to-use spreadsheet for Google Sheets and Excel. Type your two names and take-home pay, set a monthly budget for each shared category, and log every expense with who paid (you, your partner or the joint account) and how to split it: 50/50, by income, or one person only. Each partner's share works out by itself, and Settle Up shows what each of you paid against your fair share, who owes whom this month and all time, plus a payback log. Goals tracks shared savings with how much each of you put in. The Dashboard shows income together, spent, left, who owes whom, who paid what and your top categories. Type in the yellow cells; everything else is calculated for you.

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WHAT'S INSIDE (FULL VERSION, 7 TABS)
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• Start Here: quick setup guide
• Dashboard: income together, spent this month, left to spend, who owes whom, paid by each partner, joint account, saved for goals, charts, top categories
• Budget: up to 30 shared categories with budget, spent, left and % used, plus each partner's income share
• Transactions: up to 700 expenses with category, who paid, split (50/50, by income, one person only) and each partner's share
• Settle Up: paid vs fair share for each of you, who owes whom this month and all time, and a settle-up payment log
• Goals: up to 12 shared goals with saved by each partner, progress, months left and save each month
• Setup: your names, take-home pay, savings goal and dropdown lists

A tab bar at the top of every page lets you jump between tabs in one click.

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YOU GET 4 FILES
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• Full version with sample data (see it working)
• Full version, blank
• Lite version (6 tabs: Start Here, Dashboard, Budget, Transactions, Settle Up, Setup) with sample data
• Lite version, blank

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HOW IT WORKS
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1. Download the .xlsx files after purchase.
2. Google Sheets: upload to Google Drive, open, then File > Save as Google Sheets.
Excel: open the file and click Enable Editing.
3. Fill in Setup (about 3 minutes) and your budget, then log shared expenses as they happen.

Works in Google Sheets (free) and Microsoft Excel (desktop and Microsoft 365). Not for Apple Numbers.

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LIFETIME UPDATES + FREE SMALL CHANGES
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Every improvement I make is yours for free: just download the files again from your Etsy purchases.
Need one small change? An extra column, your currency, more rows, a renamed category. Message me after your purchase and I will make it for you, free. I reply within 24 hours.

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PLEASE NOTE
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• This is a digital download. No physical item will be shipped.
• Numbers help you plan, they are not financial advice.
• Due to the digital nature of the product, I do not accept returns, but message me and I will help with any issue.

Designed by Albina at HomeBizPaperwork. Built with the help of AI tools and my own scripts, then checked in Google Sheets before every release.