What is included
- Shared expenses can use equal, income-based or custom percentage splits, with a calculated settle-up balance.
- Records personal and joint spending, recurring bills, individual allowances and shared savings goals.
- Six connected tabs include monthly dashboard and twelve-month comparison views.
- Includes demo and blank Excel files for Excel 2016 or newer; collaboration and script tools use Google Sheets.
Based on the Etsy listing reviewed October 28, 2026. Check the current listing for any later changes.
What to prepare
For the workflow this product is designed around, gather:
- Shared bills and each person's recorded payments
- The budget period you both want to use
- An agreed approach to splitting each expense
A practical way to use your records
Agree which expenses belong in the joint budget before entering numbers. Record who paid each bill and review the bill splitter against your agreement. Keep individual spending distinct from shared spending so a household review answers the question you intended.
A worked example
Fictional example: two partners compare ways to record a shared monthly household bill total.
- Shared bills
- $1,800 for the month
- Partner A income
- $3,000 for the same month
- Partner B income
- $2,000 for the same month
- Agree which bills count as shared before comparing the equal and income-proportional illustrations.
- Record the chosen contributions and the payments actually made; keep personal spending separate from the shared bill total.
Result: An equal split is $900 each. A 60%/40% income-proportional illustration is $1,080 and $720. Both total $1,800; the partners choose their own arrangement rather than letting an example decide it.
Fictional figures explain the workflow; they do not represent customer results or guarantee particular template fields. See the included features above and the current Etsy listing.
A closer look at Couples Budget Spreadsheet & Shared Expense Tracker for Google Sheets and Excel
Additional previews from this product's Etsy listing. Open any image for a larger view.
Learn the method
Questions about this product
Is this a budget for two people?
Yes. This is a couples budget, shared expense tracker and joint budget planner for two.
Does the template decide what a fair split is?
The listing names a bill splitter. You still need to agree on the splitting approach and confirm the template supports it.
Which spreadsheet formats are listed?
This product is described for Google Sheets and Excel. Confirm the included files, software requirements and delivery instructions on its current Etsy listing.
