Couples & Family Budget 3.0 - Google Sheets & Excel Spreadsheet (Teal Green)

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One Budget, Two People, Zero Arguments About Who Paid What

Budget together, or separately, in one shared file.

Most budget spreadsheets are built for one person. The moment two people share money, the questions change: who paid the electricity bill, what does each of us owe, and how much is actually left once both paychecks are in?

What usually happens with a one-person budget:

• One partner tracks everything and the other has no idea the plan exists.
• Shared bills get split in your head, and the maths drifts every month.
• You re-type the same rent, insurance and subscriptions every single month.
• Nobody can see individual spending and the combined picture at the same time.

The Couples & Family Budget 3.0 is built for shared money from the ground up.

💞 Automatic Bill Split

• Enter Partner 1's split ratio, tick the box, and the split amounts fill in for both of you.
• Assign a payer to every recurring transaction and it flows through to the partner and distribution sheets automatically.
• The Distribution Dashboard shows who spent what, each person's contribution ratio, and a running balance of what you owe each other.

⚙️ Set Recurring Payments Once

• Set up bills, debt, savings, subscriptions, income and money transfers once in the Setup tab.
• They appear in the right months and pay periods automatically. No more copy and paste.
• Log irregular spending and invoices in the Manual Log, with a checkbox to mark every payment as paid.

👥 Separate And Combined Dashboards

• Partner 1 and Partner 2 dashboards show what each person earns, saves and spends.
• A combined dashboard shows the whole household at a glance.
• Works for any period: weekly, biweekly, semi-monthly, 4-weekly, monthly or custom.
• Hide any tabs or columns you do not need.

🧰 18 Tabs In One Teal Green System

• ✅ Setup, Payments, Manual Log and Accounts Tracker (up to 25 bank accounts, with the transfer needed to cover upcoming bills)
• ✅ Monthly Dashboard and Paycheck Dashboard
• ✅ Annual Dashboard and Annual Breakdown (average monthly spend per category)
• ✅ Bill Calendar showing bills, debt, subscriptions and income by day
• ✅ 50/30/20 Needs vs Wants Dashboard, switchable per partner and customisable to any ratio
• ✅ Distribution Dashboard and Partner 1, Partner 2 and Combined dashboards
• ✅ Debt Payoff Planner for up to 50 debts, with snowball, avalanche, custom and credit-score methods
• ✅ Savings and Sinking Funds tracker for up to 40 goals
• ✅ Net Worth Tracker for up to 32 assets and 30 liabilities
• ✅ Bonus Group Category sheet that totals utilities, housing, car costs and more
• ✅ Instruction tab plus a video tutorial

🎯 Why Couples Stick With It

• Nobody has to be the household accountant. Both of you can see the same numbers.
• No mental maths. The split, the running balance and what's left are calculated for you.
• Together or separate. Keep some money shared and some private, in the same file.
• You own it forever. One-time purchase, no subscription.

⚡ Get Started In Under 10 Minutes

1. Instant download. The link arrives in your email within seconds of checkout.
2. Make a copy. One click to copy it to your Google Sheets, or open the Excel file.
3. Follow the Setup tab. Add your recurring payments and who pays them.
4. Share it with your partner. The dashboards update for both of you.

You receive a PDF with the Google Sheets link (in $, € and £) plus the Excel file. Google Sheets is free with a Google account. Excel requires Microsoft 365 or Excel 2024; older Excel versions are not supported.

🛡️ The "Actually Use It" Guarantee

Try this for 14 days. If you set it up, use it for at least a week, and genuinely feel it is not right for you, email us and we will refund you in full.

All we ask is that you show us you gave it a real go. Send a quick screenshot of your setup and tell us what did not work. No hard feelings.