{"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":9.79,"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","url":"https:\/\/spendflowstudio.com\/products\/couples-budget-spreadsheet-joint-finance-tracker-bill-split-calculator-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}