Couples Budget Planner | UK Joint Budget Spreadsheet for Excel & Google Sheets

One budget, two people, zero awkward money chats. A couples budget spreadsheet built for UK couples, with fair bill splitting, 12 monthly budgets and a running "who owes who".

What's inside (18 tabs)

• Setup: both names, take-home pay, and how you split shared costs: by income, 50/50 or a custom split
• 12 monthly budgets: log your spending and see budget vs actual for every shared category, each person's share, personal spending and what you each have left
• Annual dashboard: your whole year at a glance, with charts
• Joint savings goals: what to save each month for a house deposit, holiday or emergency fund, and who puts in what
• Debt tracker: progress, months to clear, and snowball or avalanche order
• Settle up: log anything one of you paid for, and it keeps a running "who owes who" total
• Fun money for each of you, editable categories, and start in any month

Why couples like it

Fair, not just 50/50. The by-income split means you each pay the same share of your take-home pay. On £2,093 and £2,693, that's 44% / 56%. It also tells you exactly how much each of you should move into your joint account each payday.

Built for the UK: pounds, monthly pay, council tax and UK bills built in.

Format

Excel file (.xlsx) plus a Start Here guide. Works in Excel and Google Sheets (free, on phone and laptop). Instant download, nothing posted. Only type in the yellow cells. Everything else is automatic and protected, so you can't break it.

For budgeting only, not financial advice. For personal use only.