{"product_id":"couples-budget-spreadsheet","title":"Couples Two-Income Budget Spreadsheet","description":"\u003cp\u003eThis couples budget spreadsheet is for two people with two incomes and one set of bills. It works out a fair way to share the costs, either half each or in proportion to what each of you earns, and tells you who owes whom at the end of the month.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eThe dashboard\u003c\/h2\u003e\u003cp\u003ePick the full year or one month and every card and panel follows. Nothing on the page is typed; it fills itself from your transactions.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe settle-up in one line: who owes whom, and how much\u003c\/li\u003e\n\u003cli\u003eTwo incomes: what came in and each partner's share of it\u003c\/li\u003e\n\u003cli\u003eSettling up month by month: each balance and what is still owed after you settle\u003c\/li\u003e\n\u003cli\u003eWhat each of you paid toward shared costs, against what your fair share was\u003c\/li\u003e\n\u003cli\u003eHalf each or by income: what each way of splitting takes from each income\u003c\/li\u003e\n\u003cli\u003eThe six biggest shared categories, so you see where the joint money goes\u003c\/li\u003e\n\u003cli\u003eThe two of you side by side: income, fair share, paid and personal spending\u003c\/li\u003e\n\u003cli\u003ePersonal spending with one bar for each of you\u003c\/li\u003e\n\u003cli\u003eEvery savings goal you share and how far along it is\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWho Pays What\u003c\/h2\u003e\u003cp\u003eThe Who Pays What tab is the heart of this household budget. It splits every shared bill in proportion to what each of you earns, or straight down the middle. One dropdown decides which, and the whole file follows. It handles the shared expenses so neither of you has to keep a running tally in your head.\u003c\/p\u003e\u003ch2\u003eTwenty-nine connected tabs\u003c\/h2\u003e\u003cp\u003eEverything reads from one transaction list, so nothing is typed twice and there are no pivot tables to refresh. It is a two income budget and a budget spreadsheet for the whole year in one file.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e2,000 transaction rows and 40 categories, all renameable\u003c\/li\u003e\n\u003cli\u003eBudgets, variances, totals and percentages calculated for you\u003c\/li\u003e\n\u003cli\u003eOver-budget and overdue amounts change color on their own, which makes it a handy bill tracker\u003c\/li\u003e\n\u003cli\u003eDropdown lists that grow as you add accounts and categories\u003c\/li\u003e\n\u003cli\u003eCharts that redraw from your own numbers, not pictures\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eA filled-in copy to learn from\u003c\/h2\u003e\u003cp\u003eYou do not only get a blank file. There is a full demo year you can click through to see how the split works, and a blank copy ready for your own money, in Excel and in Google Sheets.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice. No Microsoft 365 subscription needed.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo dynamic arrays, no macros, no add-ins and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eThe Excel workbook, filled with a worked example\u003c\/li\u003e\n\u003cli\u003eThe same workbook, blank and ready for yours\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, with one-click links to the Google Sheets versions (filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYour files are ready as soon as payment clears. The template is for personal use on your own devices; please do not share or resell the files. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eDoes it work in Excel or Google Sheets?\u003c\/h3\u003e\u003cp\u003eBoth. The Excel workbook runs in Excel 2016 or later on Windows and Mac, and the instruction guide has one-click links to the Google Sheets versions for a free Google account.\u003c\/p\u003e\u003ch3\u003eCan we split bills by income instead of 50\/50?\u003c\/h3\u003e\u003cp\u003eYes. The Who Pays What tab splits every shared bill in proportion to what each of you earns, or evenly. One dropdown switches between the two.\u003c\/p\u003e\u003ch3\u003eHow do we know who owes whom?\u003c\/h3\u003e\u003cp\u003eThe dashboard shows the settle-up in one line, who owes whom and how much, plus each month's balance and what is still owed after you settle.\u003c\/p\u003e\u003ch3\u003eCan we keep personal spending separate?\u003c\/h3\u003e\u003cp\u003eYes. Personal categories are tracked apart from shared costs, and the dashboard shows each partner's personal spending as its own bar.\u003c\/p\u003e\u003ch3\u003eDoes it connect to our bank?\u003c\/h3\u003e\u003cp\u003eNo. You enter each transaction once and every tab recalculates. There is no bank connection, no add-in and no subscription.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597859848286,"sku":"OPX-008","price":27.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/couples-budget-spreadsheet-01.jpg?v=1790831968","url":"https:\/\/opxviashop.com\/products\/couples-budget-spreadsheet","provider":"OPXVIA","version":"1.0","type":"link"}