Money Detective

Stop doing the maths on who owes who.

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
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.

Shared Expenses
Shared Expenses

Split each expense your way

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

Settlement
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

$14.95
one-time payment
  • 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.

Get the Planner →