{"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\/products\/couples-budget-system-joint-finance-tracker-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}