{"title":"Couples Finance","description":"\u003cp\u003eSharing money with someone is easier when you both see the same picture. These spreadsheets help two people split bills fairly, run a joint budget, and plan what you're saving for together. Everything is editable in Excel or Google Sheets.\u003c\/p\u003e","products":[{"product_id":"couples-budget-spreadsheet-joint-finance-tracker-bill-split-calculator-excel-google-sheets","title":"Couples Budget Spreadsheet, Joint Finance Tracker, Bill Split Calculator (Excel\/Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eManage money together. Split bills fairly. Build wealth as a team.\u003c\/strong\u003e Most couples have no shared system: bills get paid by whoever remembers, goals live in one person's head, and money talks turn into arguments because nobody knows the real numbers. Couples Money Manager Pro fixes that in one file both partners can see, with three bill-split modes, five engines and twelve money dates a year. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eRelationship Money Score (0–100)\u003c\/h3\u003e\n\u003cp\u003eAn auto-calculated score from five weighted components so you always know where you stand as a money team. Above 85 is excellent; below 50 means it is time for a money date this week.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 8 tabs and 163 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF (6 pages)\u003c\/li\u003e\n\u003cli\u003eBill Split \u0026amp; Money Dates Guide PDF (6 pages, with 12 conversation starters)\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eFive named engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eRelationship Money Score Engine\u003c\/strong\u003e — a weighted score out of 100 across Joint Savings Rate (25%), Bill Split Fairness (20%), Money Conversations (20%), Goal Alignment (20%) and Emergency Buffer (15%).\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBill Split Engine\u003c\/strong\u003e — switch between Equal (50\/50), Proportional (by income) and Custom modes with one dropdown, and every shared bill recalculates instantly.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGoal Alignment Engine\u003c\/strong\u003e — track shared goals with progress bars, the monthly amount needed, an on-track status and a Both Agreed column that surfaces hidden misalignment early.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMoney Date Engine\u003c\/strong\u003e — schedule and log 12 monthly check-ins with agenda, decisions, mood and streak stats.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eEmergency Buffer Engine\u003c\/strong\u003e — auto-calculates how many months of household expenses your fund covers, with progress to 3 and 6 month targets.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — four-step couples setup wizard\u003c\/li\u003e\n\u003cli\u003eDashboard — 5 KPI cards, 2 charts and a goals table\u003c\/li\u003e\n\u003cli\u003ePartners — both profiles and income share\u003c\/li\u003e\n\u003cli\u003eJoint Income — 8 income sources with tax tracking\u003c\/li\u003e\n\u003cli\u003eShared Bills — smart split engine with 3 modes\u003c\/li\u003e\n\u003cli\u003eShared Goals — goals with progress bars\u003c\/li\u003e\n\u003cli\u003ePersonal Spending — a fair allowance per partner\u003c\/li\u003e\n\u003cli\u003eMoney Dates — 12 monthly meetings tracker\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eNewly engaged couples planning life together\u003c\/li\u003e\n\u003cli\u003eCouples moving in together for the first time\u003c\/li\u003e\n\u003cli\u003eNewlyweds combining or coordinating finances\u003c\/li\u003e\n\u003cli\u003eEstablished partners running long-term goals, including income-gap and single-income households\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export, a Quick Start Guide PDF and a Bill Split \u0026amp; Money Dates Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003ch3\u003eFile details\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFormat: .xlsx and .csv\u003c\/li\u003e\n\u003cli\u003e8 spreadsheet tabs plus PDF guides\u003c\/li\u003e\n\u003cli\u003e163 live formulas\u003c\/li\u003e\n\u003cli\u003eCompatible with Excel 2016+, Google Sheets, LibreOffice and Numbers\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting and organization only. This is not financial advice. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274079932609,"sku":null,"price":9.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8063177547_jg1t.jpg?v=1780069131"},{"product_id":"couples-budget-system-joint-finance-tracker-excel-google-sheets","title":"Couples Budget System | Joint Finance Tracker (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eThe joint finance system that settles who owes whom, fairly, with no math and no arguments.\u003c\/strong\u003e Two incomes, shared bills and separate spending get messy fast. This system splits every shared expense the way you choose, tells you the monthly settlement, and keeps a private tab for each partner. Built with 8 connected tabs and 988 live formulas. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe Fairness Engine\u003c\/h3\u003e\n\u003cp\u003eChoose how to split shared costs: 50\/50, proportional to income, or a custom ratio. The engine auto-splits every shared expense and produces a single monthly settlement showing exactly who owes whom and how much.\u003c\/p\u003e\n\n\u003ch3\u003ePrivacy by design\u003c\/h3\u003e\n\u003cp\u003eShared tabs are visible to both partners, while each partner gets a private personal tab, so you can run joint finances without giving up all financial privacy.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 8 connected tabs and 988 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible (ideal for sharing with a partner)\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — incomes, split method and settings\u003c\/li\u003e\n\u003cli\u003eDashboard — combined income, shared spend and savings rate\u003c\/li\u003e\n\u003cli\u003eFairness Engine — the shared-expense split\u003c\/li\u003e\n\u003cli\u003eMonthly Settlement — who owes whom this month\u003c\/li\u003e\n\u003cli\u003eShared Expenses — bills both partners see\u003c\/li\u003e\n\u003cli\u003ePersonal A \u0026amp; Personal B — each partner's private tab\u003c\/li\u003e\n\u003cli\u003eJoint Goals — shared targets with progress and ETA over five years\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCouples merging finances for the first time\u003c\/li\u003e\n\u003cli\u003ePartners with different incomes who want a fair split\u003c\/li\u003e\n\u003cli\u003eAnyone tired of arguing over who paid what\u003c\/li\u003e\n\u003cli\u003eCouples saving toward joint goals together\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android, and in Google Sheets for sharing. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. This is not financial advice. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274167718081,"sku":null,"price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8047815210_6akx.jpg?v=1780070761"}],"url":"https:\/\/spendflowstudio.com\/collections\/couples-finance.oembed","provider":"SpendFlow Studio","version":"1.0","type":"link"}