Money Detective

Couples Budget & Bill Splitting Spreadsheet

Split shared bills fairly, 50/50, proportional to income, or custom, and get an automatic settlement page that says exactly who owes who, and how much.

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Excel and Google Sheets · AUD format · No bank login required
Couples' Shared Money Planner dashboard open on a laptop, showing total shared spending, who paid what and who owes who
Works with Excel and Google Sheets Australian dollar format No bank connection required Instant digital access
The problem

Shared money gets complicated fast, especially with different incomes.

Different incomes make 50/50 feel unfair

Splitting everything evenly doesn't always make sense when incomes are different.

Tracking who paid what is tedious

Rent this month, groceries last month, keeping a mental tally gets messy fast.

Money conversations get awkward

Without clear numbers, working out who owes who can turn into a bigger discussion than it needs to be.

How it works

A clearer way to split shared money.

1

List shared expenses

Rent, groceries, bills, whatever you split together.

2

Pick how each one splits

50/50, proportional to income, or a custom percentage, your choice, per expense.

3

See the settlement, automatically

One page shows exactly who owes who, and how much, no manual maths.

Take a look inside

See exactly what you're getting.

The Read Me tab of the Couples' Shared Money Planner, showing the four steps to get started
Start here

Four steps and you're done

A clear Read Me tab walks you through it. Add your names and pay, enter what you spend together, set optional limits and goals, then open Settlement to see who owes who.

The Dashboard tab showing total shared spending, who paid what, recurring bills, savings and what needs attention
Dashboard

See where you stand at a glance

Total shared spending, who paid what, monthly recurring bills and savings progress, plus a clear note of who owes who. It all updates automatically from the other tabs.

A Dashboard chart of top spending categories, averaged per month, from an imported bank statement
Optional bank import

See where your money goes

Paste in a bank statement and the Dashboard charts your top spending categories as a monthly average. Transfers between your own accounts are left out.

The Shared Expenses tab, where you log one-off costs and choose how each is split
Shared Expenses

Split each expense your way

50/50, proportional to income, or a custom percentage, set it per expense, and who paid it.

The Settlement tab showing who owes who and how the number was worked out
Settlement

Exactly who owes who

One clear number, worked out automatically from what each person actually paid versus their fair share.

A real example

Two different incomes, four shared expenses

$1,947
Total shared spend
$422
Settlement, calculated exactly
Real output from the planner's own sample data, not a rounded example.
Who it's for

Designed for people who...

This is for you if you:

  • Split bills with a partner and want it to feel fair
  • Have different incomes and want more than a flat 50/50
  • Want to stop manually tallying who paid for what
  • Prefer Excel or Google Sheets
  • Don't want to connect your bank account

This isn't for you if you want:

  • A live bank-syncing app
  • Joint account management
  • Personalised financial advice

Built from real budgeting frustrations

This planner exists because splitting money with a partner shouldn't mean redoing the maths every time someone asks who owes who. It's built to make that one clear number, automatically.

Pricing

One simple price. No subscription.

Couples' Shared Money Planner

$12.95
introductory one-time price
  • Excel version
  • Google Sheets compatible
  • 50/50, proportional-to-income, or custom % splitting
  • Automatic settlement page, exact amount, exact direction
  • Works with different incomes
  • Visual dashboard, shared spend by category
  • Bank statement import (CSV or PDF)

After payment, you'll receive immediate access to the downloadable file and setup instructions.
By completing this purchase, you agree to the Terms and Conditions and acknowledge the Privacy Policy.
FAQ

Questions before you buy

Is this an Excel file?

Yes. It works fully in Microsoft Excel, and just as well in Google Sheets.

Does it connect to our bank accounts?

No. You and your partner enter expenses yourselves, or paste in a CSV/PDF statement.

Can we use different split methods for different expenses?

Yes, each expense can use 50/50, proportional to income, or a custom percentage, independently.

Does it work on a phone?

The Google Sheets version can be viewed and edited on mobile by both partners.

Is this financial advice?

No. This is an educational organisation tool, not personalised financial advice.

What happens after I purchase?

You get immediate access to the downloadable file and a short setup guide.

Stop doing the maths on who owes who.

Split fairly, and let the settlement page do the working out.

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