Couples Budget Spreadsheet & Bill Splitter

Who it’s for

It’s made for couples who live together, married or not, and for anyone about to move in together. It suits partners who split rent by income, groceries 50/50 and a weekend away 60/40.

Your names, your currency and your splits are set once on the Setup tab, so headers, dropdowns and the settle-up line use your first names instead of “Partner A”. Share the Google Sheets copy and you can both add costs from your phones.

What’s inside, tab by tab

Start Here

Three steps, one colour 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.

Shared Expenses

One list for every shared cost, with 2,000 rows. Each person’s share is worked out to the cent.

Bills

Recurring shared bills with the 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, like a holiday, a house deposit or an emergency fund, with what 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, goal progress, bills due and three charts.

Five ways to split a cost

Split 50/50, by income, by a custom percentage, or let one of you pay it all. Set a default for each category and change it for a single purchase without touching the rest. Shares always add up to the cent.

Excel and Google Sheets

The workbook is an .xlsx file that opens in Excel 2010 or later, Excel for Mac and LibreOffice. For Google Sheets, upload the .xlsx to Google Drive, double-click it, choose Open with Google Sheets, then File > Save as Google Sheets. Formulas and dropdowns carry over; Google redraws the charts, so they can look slightly different. The quick-start guide walks you through it. Type your own currency symbol on Setup and the whole workbook uses it.

There are no macros and nothing to install. Every formula uses only functions that Excel and Google Sheets share, and before release the workbook was filled with sample couples and checked by 126 automated tests. Apple Numbers can open the file but isn’t supported.

How delivery works

You buy on Etsy, with Etsy’s checkout and buyer protection. As soon as payment goes through, the download is ready on your Etsy Purchases page and Etsy emails you a link. You get one ZIP file containing:

• Couples_Budget_Spreadsheet.xlsx
• Quick_Start_Guide.pdf (6 pages)

Nothing is shipped. Because it’s a digital file, Etsy returns don’t apply, but if something isn’t working, send a message through the shop and we’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.