Plan your money together,
without making money complicated.
The Couples Money Planner gives you one shared couples budget planner and Google Sheets template to plan your monthly budget, track shared expenses, split costs fairly, manage bills, and build toward your goals together.
Plan Together
One shared view of your household finances across incomes, budgets, and bills.
Split Fairly
Choose 50/50, income-based, or custom splitting with automatic settlement calculations.
Save Together
Track the goals you're building toward: emergency savings, holidays, weddings, and homes.
Review Together
Use your monthly Money Date routine to stay emotionally aligned and celebrate wins.
Money gets complicated when two lives become one household.
Combining lives doesn't mean losing financial peace. Togetherly brings clarity to the questions every modern couple faces.
- Different incomes between partners
- Shared bills mixed with personal accounts
- Individual spending alongside joint living expenses
- Recurring subscriptions and scattered utility due dates
- Long-term savings goals that lack concrete targets
“Who paid for groceries on Tuesday?”
“How much should each person contribute fairly?”
“Are we staying within our budget this month?”
“How close are we to our shared down payment goal?”
Togetherly puts the answers in one place.
Instead of guessing through endless banking apps or arguing over split calculations, both of you open a single synchronized Google Sheet designed for calm clarity.
- One shared place for joint income, bills, and monthly cash flow.
- Transparent math: pick 50/50 or proportional to income without debate.
- Automatic settlement displays who owes whom at month end.
One planner. Your shared financial picture.
Explore the actual spreadsheet. High-contrast, beautifully styled Google Sheets designed for clarity, zero formula complexity, and daily ease of use.
Your Entire Household Cash Flow at a Single Glance
A unified executive overview tracking monthly household income, actual expenses, savings rate, and real-time fair-split reimbursement balance.
- Total income, expense, and savings rate KPI metric cards
- Dynamic monthly budget progress vs. actual cash outflow gauges
- Real-time fair-split balance card showing who reimburses whom
- Clean high-contrast design optimized for calm, stress-free review
50/50 isn’t the only way to split a life together.
Every couple has unique financial dynamics. Togetherly never forces a single rigid formula — you choose what feels equitable and fair for your household.
50 / 50 Equal Split
Shared living expenses are divided straight down the middle. Best when partners have similar earnings or prefer identical contribution amounts.
Income-Based Split
Contributions are calculated proportionally based on each partner's income (e.g., 60/40), so both partners retain fair discretionary income.
Custom Splitting
Couples define their own bespoke percentage split or designate specific bills to specific partners while sharing the rest.
See how proportional fairness feels in real life.
Test your own numbers below. Compare how a rigid 50/50 split feels compared to Togetherly’s income-weighted proportional fair split.
Remaining personal discretionary: $2,880
Remaining personal discretionary: $1,920
Budget for today. Build toward what’s next.
Daily budgeting is only half the battle. Togetherly helps you turn dreams into actionable milestones with visual progress bars and dynamic timeline calculations.
Real goal examples you can track:
Keep recurring bills from becoming recurring conversations.
No more wondering if the Wi-Fi was paid or whose card is on file for rent. Togetherly organizes all recurring obligations in one clear, reliable schedule.
Recurring Bills & Autopay Sync
Designed to give both partners 100% visibility over rent, insurance, streaming, and utilities without sharing bank passwords.
Turn money management into a 20-minute conversation.
Financial stress dissolves when you replace sporadic arguments with a structured, calm monthly check-in. Pour a drink, open your sheet, and review in total harmony.
What couples review during the Money Date:
- Monthly spending & shared expense totals
- Upcoming recurring bills & cash commitments
- Shared savings milestones & goal progress
- Single final reimbursement settlement
- Next month's financial priorities & commitments
From purchase to planning in minutes.
No complex software installation, no credit checks, and no waiting for approvals. Start budgeting together today.
Get the planner
Purchase once for $19 through our secure Gumroad checkout. Zero subscription fees, ever.
Make your private copy
Click your instant access link to save the official template directly into your personal Google Drive.
Make it yours
Customize partner names, currency, incomes, categories and splitting preferences in seconds.
Your financial data stays yours. Forever.
No Plaid bank logins. No remote servers reading your transactions. You duplicate your own private copy in Google Sheets, and your household numbers never leave your personal Google account.
Secure Purchase
Instant checkout via Gumroad with 256-bit SSL encryption. Receive your template link immediately in your inbox.
Make a Copy
Click the official master template link. Google prompts you to generate your own independent, clean copy.
Saved in Drive
The sheet lives 100% inside your personal Google Drive. Togetherly has zero servers or databases storing your entries.
Invite Partner
Share editing permissions only with your partner's email. Collaborate seamlessly in real time with bank-grade Google protection.
Third-party servers & bank scraping
- Requires you to hand over bank logins via Plaid or Yodlee
- Your spending history is scraped and stored on their servers
- Vulnerable to corporate data breaches, acquisitions, or shutdowns
- Locks your historical data behind recurring monthly subscriptions
Zero bank credentials. 100% private to you.
- No bank logins ever: We never see or request passwords
- Lives in your Google Drive: Protected by your own Google 2FA
- Permanent lifetime ownership: Works offline, never expires
- Zero data harvesting: Your transactions are never tracked or monetized
Everything included with your purchase.
The complete Couples Money Planner Google Sheets system, ready to use immediately.
Frequently Asked Questions
Clear answers to common questions about using the Couples Money Planner in Google Sheets.
No. The Couples Money Planner is a native Google Sheets spreadsheet system. There is no software to install, no app store download, and no bank account connection required. It opens directly in Google Sheets on any computer, iPad, tablet, or smartphone.
No. This planner is built specifically for Google Sheets, which is completely free with any standard Google account. Google Sheets enables seamless, live real-time synchronization between you and your partner.
No. It is a single one-time payment of $19. There are no recurring monthly charges, no annual renewal fees, and no hidden subscriptions. You own your private copy for life.
Yes. Togetherly is engineered specifically for couples with different incomes. You can choose the automated Income-Based Split mode, which calculates each partner’s contribution percentage based on what they earn (for example, 60/40 or 55/45) so splitting is mathematically fair without tension.
Not at all. You can choose between a standard 50/50 split, an income-weighted proportional split, or enter custom split percentages. You can also track personal expenses alongside shared expenses.
Your financial information is stored 100% inside your own private Google Drive account. Togetherly never sees, accesses, collects, or stores your incomes, bills, transactions, or bank credentials.
Yes. You can customize your partner names, currency symbol ($ USD, € EUR, £ GBP, $ CAD, $ AUD, etc.), budget categories, recurring bill schedules, and savings goals in the dedicated Setup sheet in seconds.
Immediately upon completing your $19 purchase via our secure checkout, you receive instant access with a 1-click link to copy the template directly into your Google Drive, plus clear step-by-step setup guidance.
Yes. Simply click the "Share" button in Google Sheets and enter your partner's email. Both of you can view, edit, enter expenses, and review your numbers together in real time from any device.
Build the money system you'll actually use together.
One place to plan, track, split, save and review your money as a couple.
Google Sheets · Instant access · No subscription