Couples Budget & Bill Split Spreadsheet - Fair Split, Settle Up, Shared Goals (Excel & Google Sheets)

Stop arguing about who paid for what. Log your shared bills, choose how to split them, and this spreadsheet tells you each month exactly who owes whom.

What's inside (8 tabs):

Tested in Google Sheets. Designed for Excel.

• Settings: both names and monthly incomes, a default split method (50/50, in proportion to income, or a custom %), up to 10 currencies with exchange rates, up to 15 categories, and personal allowances.
• Shared Expenses: room for 400 bills with dropdowns for category, who paid, currency and split method. Each row can override the default split.
• Settle Up: for every month, what each person paid, each person's fair share and a plain result like "Sam owes Alex 120.50", plus a running balance and a log for settle-up transfers.
• Budget: monthly budget per category vs actual shared spending for any month, plus year totals.
• Allowances: each person's own monthly "fun money", with a personal spending log and what's left each month.
• Goals: up to 10 shared savings goals with each person's contributions, progress, and the monthly amount needed (split by your default method).
• Dashboard: year totals, current balance and 4 charts (who paid each month, spending by category, goals progress, budget vs actual).
• Start Here: short setup guide.

Works for couples, newlyweds and roommates - any two people sharing costs.

Compatibility: Designed for Excel, Google Sheets and LibreOffice (no macros). Example data for a fictional couple is included; replace it with your own.

Launch price: $8 until October 21, 2026, then $11.

Please note: this is a planning tool, not financial, legal or tax advice. AI-assisted, human-checked. Made by Moy.