Couples & Paycheck Budget — Excel & Google Sheets

Launch price: $19 (regular $24).

One household budget for two people: who pays what, which paycheck covers which bill, what you are saving for, and when the debt is gone — in a workbook that stays with you.

Set up both partners once: net pay, pay frequency (weekly, biweekly, semi-monthly, or monthly), and how you split shared costs — 50/50, in proportion to income, or your own percentage. The Paycheck Plan shows the paydays for the month automatically and lets you assign every bill, savings transfer, and debt payment to the paycheck that covers it, with what is left on each paycheck and a flag when money arrives after a due date. Shared Bills is a running log with a fair-share split per row and a clear “who owes whom” balance; a settle-up payment brings it back to zero. Sinking Funds work out the monthly amount needed for each goal and each partner’s part. Debt Payoff orders your debts by snowball or avalanche, estimates a payoff month for each one, and compares both methods side by side. The Dashboard puts the month on one page with charts.

What’s included

- English sample workbook (fictional couple, Alex and Sam) and a blank file ready for your own numbers

- German sample and blank workbooks with the same structure

- A quick-start PDF guide in English and in German

- Sheets: Setup, Dashboard, Paycheck Plan, Shared Bills (200-row log), Sinking Funds, Debt Payoff (up to 8 debts), plus a start page and license

- Google-Sheets-Links.pdf with one-click “Make a copy” links for every workbook

- A currency label you set yourself (USD, EUR, GBP, CAD, AUD, CHF, or another)

How to use it

1. Open the file in Microsoft Excel (2016 or later), or upload it to Google Drive and open it with Google Sheets — the formulas avoid Excel-only functions. LibreOffice Calc works too.

2. Fill in Setup: names, pay, pay frequency, one recent payday, and your split method.

3. Plan the month on Paycheck Plan, log shared costs on Shared Bills, and check the Dashboard. Teal cells are for your entries; grey cells calculate automatically.

Please note

- This is a digital download. Nothing is shipped.

- This is an organizational template. It is not financial, tax, legal, or debt advice and does not connect to any bank. Payoff dates and interest are estimates that assume a fixed rate and on-time payments; your lender’s statement is what counts.

- Personal use for you and your household only. Please do not resell, share, or redistribute the files.

- Sample names and figures are fictional.