Couples Bill Splitter: Fair Shared Expense Tracker by Income Ratio (Excel + Google Sheets)

The Couples Bill Splitter is a spreadsheet template for Microsoft Excel and Google Sheets that splits shared expenses between two people by income ratio, a custom percentage or 50/50, and shows who owes whom. It's for couples (or any two people sharing costs) who want a fair, simple way to track shared bills and settle up.

WHAT'S INCLUDED

• Couples-Bill-Splitter_BLANK.xlsx: ready for your numbers

• Couples-Bill-Splitter_EXAMPLE.xlsx: filled with sample data so you can see how it works

• Download guide (PDF) with step-by-step Excel and Google Sheets setup

8 TABS

Start Here (built-in quick-start notes) · Setup · Expense Log · Recurring Bills · Settle Up · Monthly View · Yearly View · Dashboard

Room for 500 expenses, 200 pay-backs and 30 recurring bills. Your names appear in every dropdown and heading. Works for roommates too.

KEY FEATURES

• Fair by design: split by income ratio (e.g. 58% / 42%), a custom %, or 50/50

• Per-expense flexibility: mark any item as Default split, 50/50, Personal, or Paid for partner

• Instant answer: "Jordan owes Alex $85.40" updates as you log expenses and pay-backs

• Plan fixed bills: Recurring Bills shows each partner's fair monthly contribution (great for a joint account)

• Monthly and yearly views: pick any month, or see the whole year with a running balance

• Dashboard with 4 charts: who paid each month, spending by category, paid vs fair share, running balance

HOW IT WORKS

1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you.

2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both).

3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically.

4. Open the EXAMPLE file any time to see how a filled-in version looks.

COMPATIBILITY

✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365)

✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets. Easy to share with your partner.

✘ Not designed for Apple Numbers or phone screens. A computer is recommended.

FREQUENTLY ASKED QUESTIONS

Q: Does it work in Excel and Google Sheets?

A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers.

Q: Should I use Google Sheets or Excel?

A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option. It's also the easy way to share one file with your partner. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets.

Q: Can I use it on my phone or tablet?

A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry.

Q: How do I download it?

A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets.

Q: Can I customize it?

A: Yes. Enter your names, expense categories and split method in the blue cells on the Setup tab and the rest of the workbook updates. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets.

Q: Can I get a refund?

A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details.

GOOD TO KNOW

• This is a digital product. Nothing will be shipped.

• Amounts are shown in US dollars ($). Any currency works; change the cell format if you like.

• For personal use. Please don't share or resell the files.

• Questions or a problem with a file? Email todorgan@gmail.com.

AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release.