Templates › Couples Budget Planner

Monthly budget spreadsheet for couples, with Settle Up

Tidy Sheets' Couples Budget Planner is a couples budget spreadsheet for Google Sheets and Excel: a shared budget for couples that shows who owes whom. Price: $6.99. You get the blank template, an example copy and a printable PDF pack.

$6.99 · Google Sheets + Excel (.xlsx) · printable PDF

Buy on Whop · $6.99

One-time purchase, no subscription. Checkout is on Whop; the files are in your Whop library straight after payment, and the download stays open for 12 months.

What it does

• Both partners plus a joint account on every transaction
• Settle Up: fair share 50/50 or by income, and who owes whom
• Zero-based monthly budget with budget-vs-spent chart
• Year view with savings rate
• Works in Google Sheets and Excel; any currency

Three ways couples split money

• 50/50: each partner pays half of shared bills. Simple; can feel unfair when incomes differ a lot.
• By income: each partner pays the same percentage of their own income. If one earns 60% of the household income, they cover 60% of shared costs.
• Joint account: both pay into one account that covers shared bills. The Settle Up tab ignores joint-account payments because they are already shared.

How Settle Up works

Each transaction records who paid: partner 1, partner 2 or the joint account. For the month you pick, the sheet adds up what each partner paid personally for shared categories, works out each person's fair share (50/50 or by income), and shows one line: who owes whom, and how much.

A 20-minute monthly money date

1. Open Monthly and look at budget vs spent together.
2. Open Settle Up and transfer the amount it shows.
3. Agree next month's budgets on Setup until "Left to assign" is 0.

What's inside

• Start Here
• Setup (both names, income, categories)
• Transactions with "Paid by"
• Monthly dashboard
• Year view
• Settle Up (50/50 or by income)

Tested before listing

Recalculated in LibreOffice with zero formula errors, and the example numbers were re-computed independently in Python and matched (50 of 50 checks across the line, 2026-10-14).

Last updated 2026-10-14.