Couples Budget Planner

A couples budget planner for two people who share money. It splits shared bills fairly by income, tracks who paid what, and shows exactly who owes who each month. It is not a spreadsheet and not a printable. It is real software that opens in your browser, works offline, and never asks for a subscription.

What makes it different

Most budget tools were built for one person, with a second column bolted on later. This one was built for two from the start.

• Fair split by income. If one of you earns more, they cover more. Choose 60/40, 50/50, or set your own percentages.
• Settle-up. One clear line at month end, worked out from who actually paid.
• Yours, mine and ours. Personal spending stays personal. Only shared costs get split.
• Shared goals with two contributors. See what each of you put in, and each person's fair share.
• One budget on both phones. Turn on sync and you both see the same numbers.

What's inside

• Home. What is left this month, your three pockets, and the settle-up.
• Spending. An expense tracker that groups every cost by day, with each person's share.
• Bills. A bill tracker showing who pays what and what is late, as a list or a bill calendar.
• Goals. A savings tracker you both pay into, with each contribution counted separately.
• Money Date. A 20-minute check-in with the monthly summary written for you.
• Settings. Currency, language, theme, categories, backup and restore.

Reading it by week or by month

The spending tracker groups every cost by day. Read it as a weekly budget for a quick check. Or read the monthly budget against what the two of you planned. Nothing has a year baked into it, so it keeps working next year and the year after.

A finance tracker for two

On its own it is a simple finance tracker for the pair of you. In practice it becomes the financial planner you actually open. Logging a cost takes one line, and the maths is already done.

What you get

• One file that opens in any browser, on phone, tablet or laptop.
• Three themes, including a full dark mode.
• English, Español and Français.
• Works offline. No account required. A one-time purchase.
• A sample data file, so you can explore every feature before entering your own.
• An illustrated quick-start guide.

How it works

• Follow the private link in your PDF to get the file.
• Open it. No install, no sign-up, nothing to configure.
• Answer six quick questions about names, incomes and how you split.
• Everything saves as you go. Switch on sync to share it across both phones.

Who it is for

Couples who moved in together, split the rent, or merged their money. You want it to feel fair. It works whether you keep everything joint, everything separate, or something in between. It carries over into a family budget once children arrive. If you have never kept a personal finance system before, this is a gentle place to start.

Why it is not a spreadsheet

This budget planner has no formulas to break. No tabs to get lost in. No cells to overwrite by accident. Nothing to set up before it works. Change your currency in one tap. You get the benefits of proper software, without spreadsheet stress or subscription fees.

Instant download

This is a digital item, so nothing will be posted to you. Your download contains the planner, a sample data file, and the quick-start guide. It is ready the moment your payment clears.