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2026 edition · Google Sheets template
Couples Budget Spreadsheet
Two incomes, shared and personal spending buckets, and an income-proportional split calculator that ends the who-pays-what argument.
Excel · Google Sheets · LibreOffice · one-time $17
Instant digital download — all sales are final, but if anything is genuinely broken we fix it fast or make it right. Email [email protected].
The actual file
Browse it before you buy
Every screenshot below is the real Couples Budget Spreadsheet workbook — real headers, real sample numbers, real formulas. Click a tab.
Click a tab — this is the real file, not a mockup. 8 tabs total.
Tab by tab
What's inside
7 tabs shown below, matched to the real column headers in the file.
Monthly Budget
Both incomes at the top, then Planned vs Actual for shared and personal categories. Difference and "left to budget" calculate themselves.
Split Calculator
Divides shared costs by each partner's share of combined income, so nobody's guessing who owes what.
Sinking Funds
A shorter, shared version of the standalone tracker — six named funds with target, saved and % funded.
Debt Tracker
Balances, APR and minimum + extra payments, with an estimated payoff month per debt.
Net Worth
Assets minus liabilities (mortgage plus the Debt Tracker total) — one number, not a guess.
Money Date
A 7-task checklist for a monthly budget review together, with a Done? flag and a notes column.
Dashboard
Income, planned vs actual spending, per-partner actual spend, savings rate and net worth in one view.
Before you type a thing
It ships filled in — with sample data
Every tab you saw above already has worked example numbers in it, so you can see how Couples Budget Spreadsheet behaves before you touch it. Study it, then overwrite it — nothing is "real" until you replace the samples with your own numbers.
Honey cells are yours
Any cell shaded honey is an input — type over the sample value with your own. These are unlocked and unprotected.
Grey cells calculate themselves
Pale grey cells hold formulas and are locked. Leave them alone — totals, dashboards and progress bars update automatically as you fill in the honey cells.
Delivery & format
How you get it
Pay with Stripe, land instantly on a download page with your .xlsx workbook — plus an email backup of the same link, in case you lose the tab.
Open it your way: double-click for Excel or LibreOffice, or upload to Google Drive and choose Open with → Google Sheets.
Updates to this 2026 edition are emailed to you free — no repurchase, ever.
Because this is an instant digital download, all sales are final — but if anything is genuinely broken we fix it fast or make it right. Email [email protected].
Set expectations
What this is not
- Manual data entry — no bank sync; you log Planned and Actual yourself.
- One shared file — since it's built for two people, you share it via normal Google Drive edit permissions, not a built-in login system.
- No native charts — progress shows as color scales and bold totals, not chart objects.
- Room for 20 budget categories and 8 debts — plenty for most households; going past that means extending the Dashboard and Split Calculator's SUM/SUMIF ranges yourself.
- US-dollar formatting by default — changeable for any currency via Format → Number.
Getting started
Set up in 4 steps
Start on Monthly Budget: enter both incomes at the top.
Fill Planned for each category, then Actual as the month goes — Difference is automatic.
‘Left to budget’ should reach $0 when every dollar has a job.
Open Split Calculator to divide shared costs by each partner's income; track debts, net worth and sinking funds on their tabs; use Money Date for your monthly check-in.
Good to know
Couples Budget Spreadsheet FAQ
What format does it come in?
A single .xlsx workbook. It opens natively in Excel and LibreOffice, and in Google Sheets via "Make a copy".
How do I use it in Google Sheets?
Upload the .xlsx to Google Drive, right-click it, choose Open with → Google Sheets, then File → Make a copy to get your own editable version.
Can each partner have their own login?
No — it's one file. Both partners edit the same copy in Google Drive using normal Google sharing permissions (add your partner as an editor).
Do I get updates?
Yes — every update to the 2026 edition is free. We email the new link when it ships.
Can I use a currency other than USD?
Yes. Select the money columns and change the number format via Format → Number — the formulas don't care what currency symbol is shown.
What's your refund policy?
Because this is an instant digital download, all sales are final — but if anything is genuinely broken, we fix it fast or make it right. Email [email protected].
Keep reading
Related guides
Already have this one covered? 2026 Ultimate Budget Bundle — Every household tracker in one linked workbook, all feeding one dashboard.
Instant download · No subscription · Free 2026-edition updates