Couples Budget Spreadsheet | Joint Finance Tracker, Bill Split (Google Sheets)

💑 Finally — a budget spreadsheet designed specifically for COUPLES and FAMILIES.

Managing money together is one of the biggest challenges in any relationship. This Family & Couples Budget Spreadsheet makes it simple, beautiful, and stress-free. With separate Partner A and Partner B columns in every monthly tab, you can both track your spending independently while seeing the complete household picture — automatically.

Built-in bill split tracking, a Contribution Summary tab, and 1,722 auto-calculating formulas mean zero arguments about who paid what. Just enter your numbers — the spreadsheet does everything else. 💚

─────────────────────────────────────
📂 WHAT'S INSIDE — 21 TABS INCLUDED
─────────────────────────────────────

📖 Instructions Tab — Step-by-step guide with colour legend and pro tips for couples.

⚙️ Setup Tab — Enter Partner A name, Partner B name, year, currency, and customise all 34 categories.

📊 Annual Dashboard — Combined household KPIs (income, expenses, savings rate, net surplus) + Partner A vs Partner B contribution overview + income vs expenses bar chart. Auto-updates monthly.

💑 Contribution Summary — WHO PAID WHAT across all 12 months. See Partner A's share vs Partner B's share as both dollar amounts and percentages. The #1 feature couples ask for.

📋 Year in Review — All 12 months side-by-side in one table. Household income, expenses, savings and net surplus at a glance.

🗓️ Bill Planner — 20-row annual bill calendar with a "Who Pays" column (Joint / A / B). Tick off each month when paid.

💰 Savings Tracker — Track up to 8 joint savings goals with % progress and colour-coded status.

💳 Debt Tracker — Joint AND individual debts. Snowball and Avalanche calculators with a "Whose?" column.

📈 Net Worth Tracker — Combined household assets and liabilities with separate line items per partner.

📅 January → December (12 Monthly Tabs) — Each month includes:
• Partner A and Partner B columns (colour-coded blue & rose)
• Budget vs Total Actual tracking with auto-calculated differences
• Income section (5 categories per partner)
• Fixed Expenses (10 categories)
• Variable Expenses (15 household + personal categories)
• Debt Payments (joint + individual)
• Savings Goals
• Monthly Summary with net surplus and savings rate
• 💑 Contribution Split section — who paid what % this month
• 40-row Transactions Log with "Paid By" column

─────────────────────────────────────
💑 WHAT MAKES THIS DIFFERENT
─────────────────────────────────────

✅ DUAL PARTNER COLUMNS — Partner A and Partner B each have their own column in every section. Colour-coded blue and rose for easy identification.

✅ AUTOMATIC BILL SPLIT — The Contribution Summary tab calculates exactly who paid what percentage of household expenses across all 12 months.

✅ "WHO PAYS" TRACKING — The Bill Planner includes a "Who Pays" column so you know exactly whose responsibility each bill is.

✅ "WHOSE?" DEBT COLUMN — Track which debts are joint, Partner A's, or Partner B's.

✅ COMBINED NET WORTH — Separate line items for each partner's assets and liabilities, automatically summed into one household net worth figure.

✅ 1,722 AUTO-FORMULAS — Nearly double the individual version. Every calculation is done for you.

─────────────────────────────────────
⚡ KEY FEATURES
─────────────────────────────────────

✅ 1,722 auto-calculating formulas — zero manual maths
✅ Separate Partner A & Partner B columns (colour-coded)
✅ Auto contribution split percentages per month and annually
✅ Built-in bill split calculator
✅ Fully customisable partner names and categories
✅ Works in any currency — change in one cell
✅ Reuse every year — buy once, use forever
✅ Works on any device — laptop, iPad, phone
✅ Sage Green & Ivory colour theme — gender-neutral, calming
✅ Requires only a free Google account

─────────────────────────────────────
🎯 WHO IS THIS FOR?
─────────────────────────────────────

→ Couples combining finances or tracking shared bills
→ Married couples managing a household budget
→ Engaged couples planning finances before marriage
→ Families managing household and kids' expenses
→ Roommates splitting rent and utilities
→ Long-distance couples keeping finances synced
→ Anyone managing money as a team

─────────────────────────────────────
📥 HOW TO ACCESS
─────────────────────────────────────

1. Complete your Etsy purchase
2. Download your PDF from Etsy → Purchases & Reviews
3. Click the Google Sheets link in the PDF
4. File → Make a Copy (saves to your Google Drive)
5. Go to ⚙️ Setup — enter both partner names, year & currency
6. Open any monthly tab — Partner A fills column D, Partner B fills column E!

─────────────────────────────────────
❓ FAQ
─────────────────────────────────────

Q: Can both partners edit at the same time?
A: Yes! Google Sheets allows real-time collaboration. Both partners can be in the spreadsheet simultaneously.

Q: What if one partner earns more?
A: The Contribution Summary shows actual percentages automatically. You can budget any split you like — 50/50, 60/40, proportional to income.

Q: Can I use it for roommates, not just couples?
A: Absolutely! Just rename "Partner A" and "Partner B" to your roommates' names in the Setup tab.

Q: Does this work in my currency?
A: Yes — change the currency symbol in Setup and it applies everywhere.

Q: Can I reuse it next year?
A: Yes! Clear the data at year-end and start fresh. Buy once, own forever.

─────────────────────────────────────
⚠️ PLEASE NOTE
─────────────────────────────────────

→ DIGITAL DOWNLOAD — no physical product shipped.
→ Google Sheets only (free Google account required).
→ Listing images show sample data — template is blank.
→ Personal use only. Redistribution prohibited.
→ For informational purposes only — not financial advice.

─────────────────────────────────────

Thank you for choosing EasyVault! Managing money as a couple can be stressful — we hope this makes it genuinely enjoyable. If you love it, a ⭐ review means the world to us!

© EasyVault. All Rights Reserved.