Financial templates designed by a dual-income family, for dual-income families.
We're a couple in our early 40s with two kids, two careers, and two 401k plans — and we couldn't find a single budget tool that understood our life.
Every spreadsheet we tried assumed one income, one retirement account, one simple paycheck. But our finances aren't simple. We juggle two salaries, quarterly bonuses, RSU vesting schedules, separate 401k contributions, 529 college savings, and all the expenses that come with raising a family while both parents work full-time.
So we built what we actually needed.
TwiceEarn templates are designed from the ground up for households earning $100K-$500K+ combined. Every row, every formula, every category reflects the real financial complexity of a two-income family — not a scaled-up version of a single-earner budget.
What makes our templates different:
We track each spouse's income and retirement separately, because that's how your money actually works. We include categories like 529 savings, kids activities, childcare, and multiple vehicles — because that's what family life costs. And every template auto-calculates everything, so you spend 10 minutes a month entering numbers and the rest of your time actually living your life.
We use these templates ourselves. They're how we track our own family's finances, plan for college, and work toward the flexibility to go part-time before our kids leave the house.
If you have questions about any of our products, message us — we typically respond within a few hours. And if something isn't working right, please reach out before leaving a review. We'll fix it.
Happy budgeting,
TwiceEarn
