{"product_id":"couples-budget-spreadsheet-joint-40099","title":"Couples Budget Spreadsheet | Joint Finance Tracker, Bill Split (Google Sheets)","description":"\u003cp\u003e💑 Finally — a budget spreadsheet designed specifically for COUPLES and FAMILIES.\u003c\/p\u003e\n\u003cp\u003eManaging money together is one of the biggest challenges in any relationship. This Family \u0026amp; 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.\u003c\/p\u003e\n\u003cp\u003eBuilt-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. 💚\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📂 WHAT'S INSIDE — 21 TABS INCLUDED\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e📖 Instructions Tab — Step-by-step guide with colour legend and pro tips for couples.\u003c\/p\u003e\n\u003cp\u003e⚙️ Setup Tab — Enter Partner A name, Partner B name, year, currency, and customise all 34 categories.\u003c\/p\u003e\n\u003cp\u003e📊 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.\u003c\/p\u003e\n\u003cp\u003e💑 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.\u003c\/p\u003e\n\u003cp\u003e📋 Year in Review — All 12 months side-by-side in one table. Household income, expenses, savings and net surplus at a glance.\u003c\/p\u003e\n\u003cp\u003e🗓️ Bill Planner — 20-row annual bill calendar with a \"Who Pays\" column (Joint \/ A \/ B). Tick off each month when paid.\u003c\/p\u003e\n\u003cp\u003e💰 Savings Tracker — Track up to 8 joint savings goals with % progress and colour-coded status.\u003c\/p\u003e\n\u003cp\u003e💳 Debt Tracker — Joint AND individual debts. Snowball and Avalanche calculators with a \"Whose?\" column.\u003c\/p\u003e\n\u003cp\u003e📈 Net Worth Tracker — Combined household assets and liabilities with separate line items per partner.\u003c\/p\u003e\n\u003cp\u003e📅 January → December (12 Monthly Tabs) — Each month includes:\u003cbr\u003e\n • Partner A and Partner B columns (colour-coded blue \u0026amp; rose)\u003cbr\u003e\n • Budget vs Total Actual tracking with auto-calculated differences\u003cbr\u003e\n • Income section (5 categories per partner)\u003cbr\u003e\n • Fixed Expenses (10 categories)\u003cbr\u003e\n • Variable Expenses (15 household + personal categories)\u003cbr\u003e\n • Debt Payments (joint + individual)\u003cbr\u003e\n • Savings Goals\u003cbr\u003e\n • Monthly Summary with net surplus and savings rate\u003cbr\u003e\n • 💑 Contribution Split section — who paid what % this month\u003cbr\u003e\n • 40-row Transactions Log with \"Paid By\" column\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n💑 WHAT MAKES THIS DIFFERENT\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ DUAL PARTNER COLUMNS — Partner A and Partner B each have their own column in every section. Colour-coded blue and rose for easy identification.\u003c\/p\u003e\n\u003cp\u003e✅ AUTOMATIC BILL SPLIT — The Contribution Summary tab calculates exactly who paid what percentage of household expenses across all 12 months.\u003c\/p\u003e\n\u003cp\u003e✅ \"WHO PAYS\" TRACKING — The Bill Planner includes a \"Who Pays\" column so you know exactly whose responsibility each bill is.\u003c\/p\u003e\n\u003cp\u003e✅ \"WHOSE?\" DEBT COLUMN — Track which debts are joint, Partner A's, or Partner B's.\u003c\/p\u003e\n\u003cp\u003e✅ COMBINED NET WORTH — Separate line items for each partner's assets and liabilities, automatically summed into one household net worth figure.\u003c\/p\u003e\n\u003cp\u003e✅ 1,722 AUTO-FORMULAS — Nearly double the individual version. Every calculation is done for you.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚡ KEY FEATURES\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e✅ 1,722 auto-calculating formulas — zero manual maths\u003cbr\u003e\n✅ Separate Partner A \u0026amp; Partner B columns (colour-coded)\u003cbr\u003e\n✅ Auto contribution split percentages per month and annually\u003cbr\u003e\n✅ Built-in bill split calculator\u003cbr\u003e\n✅ Fully customisable partner names and categories\u003cbr\u003e\n✅ Works in any currency — change in one cell\u003cbr\u003e\n✅ Reuse every year — buy once, use forever\u003cbr\u003e\n✅ Works on any device — laptop, iPad, phone\u003cbr\u003e\n✅ Sage Green \u0026amp; Ivory colour theme — gender-neutral, calming\u003cbr\u003e\n✅ Requires only a free Google account\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n🎯 WHO IS THIS FOR?\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ Couples combining finances or tracking shared bills\u003cbr\u003e\n→ Married couples managing a household budget\u003cbr\u003e\n→ Engaged couples planning finances before marriage\u003cbr\u003e\n→ Families managing household and kids' expenses\u003cbr\u003e\n→ Roommates splitting rent and utilities\u003cbr\u003e\n→ Long-distance couples keeping finances synced\u003cbr\u003e\n→ Anyone managing money as a team\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n📥 HOW TO ACCESS\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e1. Complete your Etsy purchase\u003cbr\u003e\n2. Download your PDF from Etsy → Purchases \u0026amp; Reviews\u003cbr\u003e\n3. Click the Google Sheets link in the PDF\u003cbr\u003e\n4. File → Make a Copy (saves to your Google Drive)\u003cbr\u003e\n5. Go to ⚙️ Setup — enter both partner names, year \u0026amp; currency\u003cbr\u003e\n6. Open any monthly tab — Partner A fills column D, Partner B fills column E!\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n❓ FAQ\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eQ: Can both partners edit at the same time?\u003cbr\u003e\nA: Yes! Google Sheets allows real-time collaboration. Both partners can be in the spreadsheet simultaneously.\u003c\/p\u003e\n\u003cp\u003eQ: What if one partner earns more?\u003cbr\u003e\nA: The Contribution Summary shows actual percentages automatically. You can budget any split you like — 50\/50, 60\/40, proportional to income.\u003c\/p\u003e\n\u003cp\u003eQ: Can I use it for roommates, not just couples?\u003cbr\u003e\nA: Absolutely! Just rename \"Partner A\" and \"Partner B\" to your roommates' names in the Setup tab.\u003c\/p\u003e\n\u003cp\u003eQ: Does this work in my currency?\u003cbr\u003e\nA: Yes — change the currency symbol in Setup and it applies everywhere.\u003c\/p\u003e\n\u003cp\u003eQ: Can I reuse it next year?\u003cbr\u003e\nA: Yes! Clear the data at year-end and start fresh. Buy once, own forever.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003cbr\u003e\n⚠️ PLEASE NOTE\u003cbr\u003e\n─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003e→ DIGITAL DOWNLOAD — no physical product shipped.\u003cbr\u003e\n→ Google Sheets only (free Google account required).\u003cbr\u003e\n→ Listing images show sample data — template is blank.\u003cbr\u003e\n→ Personal use only. Redistribution prohibited.\u003cbr\u003e\n→ For informational purposes only — not financial advice.\u003c\/p\u003e\n\u003cp\u003e─────────────────────────────────────\u003c\/p\u003e\n\u003cp\u003eThank 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!\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All Rights Reserved.\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844840399076,"sku":"EV-Fin-1.3","price":9.59,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8474848056_hlhc.jpg?v=1789203133","url":"https:\/\/easyvault.store\/products\/couples-budget-spreadsheet-joint-40099","provider":"EasyVault","version":"1.0","type":"link"}