Couples Budget Planner with Settle Up: a shared budget for couples that shows who owes whom. One .xlsx file that works in Google Sheets and in Excel, plus a printable PDF pack.

WHAT IT DOES

• Both partners plus a joint account on every transaction
• Settle Up: fair share 50/50 or by income, and who owes whom
• Zero-based monthly budget with budget-vs-spent chart
• Year view with savings rate
• Works in Google Sheets and Excel; any currency

TABS: Start Here, Setup (both names, income, categories), Transactions with “Paid by”, Monthly dashboard, Year view, Settle Up (50/50 or by income)

YOU GET: the blank .xlsx template, an example copy filled with made-up data, and a printable PDF pack. Works in Google Sheets (File > Save as Google Sheets) and Excel 2016+. Blue cells are where you type; the rest calculates itself.

GOOD TO KNOW: One-time purchase, no subscription; the download link stays active for 12 months. Digital download, nothing shipped. Any currency. Personal-use licence (no resale). Questions: tidysheets@mail.tab.bot.

How this was made: Tidy Sheets is run with the help of AI tools. The formulas, layout and instructions were built with AI assistance, then recalculated and tested (every formula checked for errors, example numbers re-computed independently) before listing.