Couples Budget Spreadsheet, Shared Expenses and Bill Splitter, Google Sheets & Excel, Joint Budget Planner, Split Bills by Income

A couples budget spreadsheet for two people who share costs. Log what you spend together, say how each cost is split, and it tells you in one line who owes whom, for example "Sam owes Alex €61.36".
Made for couples who live together, married or not, and for anyone moving in together: names, currency and splits are yours to set.

WHAT'S INSIDE (9 tabs)
- Start Here: three steps, one color rule (yellow cells are where you type) and quick answers
- Setup: both names, currency, each take-home pay, and up to 30 shared categories, each with a default split and a monthly budget
- 5 ways to split: 50/50, by income, a custom %, or one of you pays it all, set per category and changeable for any single purchase
- Shared Expenses: one list for every shared cost (2,000 rows); each person's share is worked out to the cent
- Bills: recurring shared bills with due day, who pays and the split, plus a paid checklist for all 12 months
- Settle Up: who owes whom in one line, how it adds up, a month-by-month running balance and a log of paybacks
- Joint Goals: up to 10 goals (holiday, house deposit, emergency fund) with the amount each of you puts in per month
- Personal Budgets: each partner's own spending money after shared costs and goals, with a simple log
- Monthly View: pick a month to see shared spending by category, each share and what's left of the budget
- Dashboard: this month's shared total, each share, who owes whom, goals progress, bills due and 3 charts

HOW IT WORKS
1. Set up together: type your names, currency and take-home pay, and agree how each category is split.
2. Log as you go: add shared costs and type Y when a bill is paid. Shares work themselves out.
3. Settle up: read who owes whom, pay it back, log the payback. The balance goes back to zero.

WHAT MAKES IT DIFFERENT
- Fair splits, your way: rent by income, groceries 50/50, a trip 60/40. Change the split for one purchase without touching the rest.
- Exact to the cent: one share is rounded to the cent and the other gets the rest, so the two shares always add up to the amount.
- Joint account option: costs paid from shared money count in each share, but nobody owes anyone for them.
- Your names everywhere: headers, dropdowns and the settle-up line use your first names, not "Partner A".
- Use it together: share the Google Sheet and both add costs from your phones.
- Works the same everywhere: every formula was tested in LibreOffice with a filled sample year, and uses only functions that Excel and Google Sheets share. No macros.

FILE FORMAT
You receive one ZIP file containing:
- Couples_Budget_Spreadsheet.xlsx (Excel 2010 or later, Excel for Mac, LibreOffice)
- Quick_Start_Guide.pdf (6 pages)
Google Sheets: upload the .xlsx to Google Drive, double-click it and choose Open with Google Sheets, then File > Save as Google Sheets. Formulas and dropdowns carry over; Google redraws the charts, so they may look slightly different. The guide has the steps.
Use any currency: type your symbol on Setup.
Apple Numbers can open the file but is not supported.

Digital download, nothing is shipped.

Because this is a digital file, returns and exchanges aren't accepted. If something isn't working, message me and I'll help put it right.

Not financial or legal advice. The workbook helps two people track and share costs; it doesn't decide what is fair for you.

Designed by WrenWorks with AI assistance.