Two paychecks. One joint account. A split that feels fair.
A Google Sheets budget for two people who share bills but get paid on different days. It works out one fixed amount each of you moves to joint every payday, and settles up the rest.
$25.98 $12.99 on Etsy, 50% off, sale through Dec 1 · Instant download · Free Google Sheets
Moving in is easy. Money talk, less so.
Different paydays
One of you is paid weekly, the other twice a month. When does the rent money move?
"Is 50/50 fair?"
Different incomes make an even split feel uneven.
Who paid for dinner?
Venmo requests pile up and nobody is sure who owes whom.
6 reasons couples run money in one sheet
One fixed move-to-joint per paycheck
Each of you enters your own pay schedule. The Paychecks tab shows the one amount to move to joint every payday.
A split you both agree on
Split by income, 50/50 or custom. The Split Explorer shows how each option lands before you pick.
See the low point coming
The Joint Account tab forecasts 8 weeks ahead and warns before the balance gets low.
Different paydays? That's exactly who it's for.
Get the Couples Paycheck Budget →Yours, mine and ours
Log spending as yours, mine or ours. Settle-up works out who owes whom automatically.
Bills, debt and savings, shared or personal
Up to 40 bills, 10 debts and 10 savings goals, each marked shared or personal.
Both of you, live
Share your copy and both of you see the same numbers in the Google Sheets app.
Set up once, then a few minutes a week
- Download the PDF guide on Etsy and tap the link to make your own copy in Google Sheets.
- Fill in Start Here together: both names, pay schedules and take-home.
- Each payday: move the amount the sheet shows. Log shared spending as it happens.
- Open the Dashboard on your phone or laptop whenever you want the big picture.
Start with one, grow into more
Couples Paycheck Budget · $12.999 tabs, Example + Blank. List $25.98, 50% off through Dec 1.
Getting married? Wedding to Household Bundle · $24.95The Couples Paycheck Budget plus the Wedding Budget in dark + light. List $49.90, 50% off through Dec 1.
Also inside the Complete Money Library · $39.95The Couples Paycheck Budget is one of 11 Google Sheets templates + 2 bonuses. List $79.90, 50% off through Dec 1.What you're getting
- Product
- Couples Paycheck Budget, a Google Sheets budget template for two
- Price
- $12.99 on Etsy (list $25.98, 50% off, sale through Dec 1). Verified Nov 7, 2026.
- Includes
- Start Here guide PDF with copy links, quick start, tips and FAQ
- Example version (a sample couple) and Blank version
- 9 tabs: Start Here, Dashboard, Our Split (+ Split Explorer), Paychecks (one fixed move-to-joint each), Joint Account (8-week forecast with low-point warning), Bills (40), Spending (yours/mine/ours with settle-up), Debt (10), Savings (10)
- Format
- Google Sheets, free Google account needed. Dark mode only.
- Delivery
- Instant digital download. Nothing is shipped.
- Bundle
- Also in the Wedding to Household Bundle, $24.95 (list $49.90), with the Wedding Budget dark + light.
- Also inside
- The Complete Money Library ($39.95, list $79.90, sale through Dec 1) includes the Couples Paycheck Budget among its 11 Google Sheets templates + 2 bonuses.
- Good to know
- Does not connect to your bank. A planning tool, not financial advice.
Made for
- Couples moving in or combining money
- Partners with different paydays or incomes
- Yours, mine and ours setups with a joint account
Not for
- Anyone wanting a bank-linked app
- Excel-only users
- Anyone wanting a light-mode version (dark only)
Numbers in our pictures come from the included Example (sample data), not anyone's real results. No reviews yet, and we won't invent any.
FAQ
Can we both edit it?
Yes. Share your copy and you both see it live, including in the Google Sheets app.
Do I need to pay for Google Sheets?
No. It works in free Google Sheets, including the phone app. You need a free Google account.
Does it connect to my bank?
No. You type your own amounts. No account numbers or passwords.
Can I use it in Excel?
You can download it as .xlsx, but some features may work differently. It is built for Google Sheets.
What if something isn't working?
Message the shop on Etsy and we'll help. Because it's digital, returns and exchanges aren't accepted.
One plan you can both see
Start with the budget, or pair it with the Wedding Budget if a wedding is coming.
Prices as verified on Etsy Nov 7, 2026: 50% off, sale through Dec 1 · Checkout on Etsy