Couples Budget Calculator

Add both take-home incomes together (convert each to monthly first if you're paid on different schedules), then use Custom categories for shared bills and personal spending.

Example only: $3,000 + $2,400 monthly = $5,400 combined.

Take-home pay (after tax)

Split

Debt payoff months

Balance

APR %

Monthly payment

Next step: Combine both of your bank statements in one spreadsheet (files stay on your computer)

Want this in a reusable template?

Printable and fillable planners from our shop:

New Year Budget Reset 2027 Debt Payoff Planner

Household budget spreadsheets

• Paycheck budget spreadsheet: coming soon

• Couples budget spreadsheet: coming soon

• Debt payoff spreadsheet: coming soon

FAQ

Should couples split bills 50/50 or by income?

Both approaches are common. Some couples split shared costs in proportion to income. Choose what feels fair to you both.

Can we keep personal spending money?

Yes. Add a category for each person's personal money in Custom mode.

Is our data saved?

No. Nothing is stored or uploaded.