Shared Expenses & Couples Budget

Who paid what, who owes whom, and the fair split when you do not earn the same. Two people, three or four.

6 tabs, all connected

• Start Here — Household name and how you split
• Dashboard — Spending by category, who paid what
• Settle Up — Who owes whom, and the transfers
• Expenses — 300 shared rows
• People — Two to four, with fair shares
• Bills — 30 recurring bills
• Blank + Demo files — Start clean or explore the demo

What it does

One sentence: who pays whom, and how much

• Each person's fair share against what they actually paid
• Owes or is owed, in plain words
• A transfer table that clears it in one round
• With two of you it is a single sentence

Split equally, by income, or your own way

• Put in what each of you earns
• The fair share falls out of it automatically
• Or set custom percentages and it checks they total 100%
• Two, three or four people

Every shared thing, split as it happens

• Date, what, category, amount, who paid
• Per row: household split, straight 50/50, or not shared
• Each person's portion calculated on the row
• 300 rows

What the household actually spends

• Shared spending, entries, monthly bills
• Biggest category, and how far out of balance you are
• 13 categories with each one's share
• Who paid what, against their fair share

The monthly ones, written down once

• Rent, utilities, internet, insurance, subscriptions
• Who pays it and which day it is due
• What each one costs you in a year
• 30 rows

Set up in 10 minutes

1. Download & open — Open in Excel, or upload to Google Drive and choose 'Save as Google Sheets'.
2. Add your names and incomes — Pick equally, by income, or your own percentages.
3. Log shared things as they happen — At the end of the month, Settle Up tells you exactly who pays whom.

• Any currency, any country
• Couples, housemates, siblings sharing a parent's costs
• A budgeting tool, not financial or legal advice

What you receive

An instant download containing a blank file to start clean, a demo file filled in so you can see how it works, and a short read-me. Works in Google Sheets (free) and in Microsoft Excel, on a phone, a tablet or a computer. Any currency, any country.

Digital download — nothing is posted. No refunds on digital files, but message us if anything does not work and we will fix it.