Couple's Money Planner

Money is one of the top causes of relationship conflict. Not because couples disagree on values — but because they don't have a shared system.

The Jexorashop Couple's Money Planner gives you that system. Two incomes tracked side by side. Shared expenses split fairly. Individual spending kept separate and judgment-free. Joint savings goals with combined progress tracking. And a one-page Monthly Snapshot designed for a 20-minute money meeting, once a month.

Who This Is For

Money is the number one source of conflict in relationships — not because couples don't love each other, but because they never built a shared system. This planner gives you that system. One conversation a month instead of constant friction.

The System

The Couple's Money Planner runs both a proportional split (each pays based on their share of combined income) and a 50/50 split simultaneously. You choose the method that feels fair. The file does the math.

What Changes in 30 Days

After your first monthly review together, you'll know your combined income, your shared expenses split fairly, what each person owes, and how far you are from your first joint goal.

Inside the File — 6 Sheets

•    01 – Start Here:  4 split methods explained. 5 ground rules for couples and money.

•    02 – Income Overview:  Both incomes side by side. Combined total. Contribution % per partner.

•    03 – Shared Monthly Budget:  All shared expenses with automatic proportional or 50/50 split.

•    04 – Personal Spending:  Each person's individual spending — transparent but separate.

•    05 – Joint Savings Goals:  Shared goals (home, wedding, travel, emergency) with progress bars.

•    06 – Net Worth Together:  Combined assets, liabilities, and net worth — your financial big picture.

What's Pre-Built Inside

•    Proportional AND 50/50 split calculated simultaneously

•    Switch split method with one cell — everything updates

•    Personal spending sheet: transparent, not controlling

•    Joint goals with visual progress bars

•    Combined net worth calculated automatically

Compatibility

Works with Microsoft Excel 2016, 2019, 2021, Microsoft 365, and Google Sheets. Mac and Windows. No internet required after download.

Frequently Asked Questions

Q: What if we have very different incomes?

A: The proportional split is built for this. The higher earner pays a larger share of shared expenses — automatically calculated based on income ratio.

Q: Do we both need a copy?

A: No. One shared file, updated together once a month.

Q: Is the Personal Spending sheet private?

A: No — both partners can see it. It's designed for transparency, not surveillance.

Q: We're not married. Does this still apply?

A: Yes. This works for any couple sharing expenses — married, engaged, or living together.