Two-Person Money Sheet See the price

A split that's fair when one of you earns more

One budget for two people. It splits your shared costs by income, 50/50 or your own percentage. One line each month shows who owes whom.

$17

One-time payment

See what's inside
  • No subscription
  • 14-day full refund
  • Checkout on Payhip
Shared and personal tab showing Robin's 60% share, Quinn's 40% share and the line "Quinn owes Robin $172.00".

Two of you, one set of bills

A budget for one person is simple. Yours has two of you in it. That often means two different paychecks, a joint account, a few personal cards, and an open question about who paid for the big grocery run.

Splitting everything down the middle is easy. But when one of you earns more, the same bills take a bigger bite out of one paycheck. And keeping a running tab of who owes what in your heads gets old fast.

How it works

  1. Look at the example first

    The sheet opens on a made-up couple, Robin and Quinn, with a full month already filled in. Click around and watch the numbers move. Then clear it.

  2. Pick your split on one tab

    Enter your two names, your currency, your paydays and what you each take home each month. Then choose how to share costs: 50/50, by income, or your own percentage. In the example, Robin takes home $4,200 and Quinn $2,800. By income, Robin covers 60% of shared costs and Quinn covers 40%.

  3. Add what you spend

    Each expense gets who paid it and whether it's shared. At the end of the month the sheet gives you one line, and you settle up.

Split by income, 60/40

Quinn owes Robin $172.00

Robin covers 60% of shared costs and Quinn 40%.

Split 50/50

Quinn owes Robin $488.00

Each covers half of shared costs.

Same month, two answers. They shared $3,160 of costs in October, and Robin paid $2,068 of it. The split is your choice. The sheet just does the math.

Start here tab with the split set to By income and each person's share of shared costs.

What's inside: eight tabs

  • Start here: the setup checklist, your split, and each person's share of shared costs.
  • Sample household: a finished month for a made-up couple, so you can see every tab working.
  • This month: planned against actual for every category, plus what's left to spend.
  • Shared and personal: who paid what, split your way, with one settle-up line.
  • Subscriptions: each one at its monthly and yearly cost, marked keep, cancel or renegotiate.
  • Debt payoff: avalanche and snowball side by side on your actual debts, with a payoff month and total interest for each.
  • Sinking funds: six funds for the costs that only come up now and then, like vacations, the car and annual bills.
  • Year view: all twelve months on one page, to go through together.
  • Sample household tab showing a finished example month for a made-up couple.
  • This month tab with planned against actual spending by category.
  • Subscriptions tab with each subscription's monthly and yearly cost, marked keep, cancel or renegotiate.
  • Debt payoff tab with avalanche and snowball plans side by side.

What you get for $17

  • The sheet: 8 tabs. Split shared costs 50/50, by income or your own percentage, with one settle-up line each month, plus subscriptions, debt payoff (avalanche and snowball side by side), sinking funds and a year view.
  • A 2-page quick-start guide.
  • Any later version of the file is free to existing buyers.

If the sheet isn't right for you, email the address on your Payhip receipt within 14 days of purchase for a full refund.

Price

$17 once

Budgeting apps bill you every year. YNAB lists $109 a year (ynab.com/pricing, checked 31 Oct 2026). This sheet is $17 once. It doesn't connect to your bank, and you own the file.

Read the questions

Sales open on Payhip at launch. Checkout and download are handled by Payhip.

Try the split math first

The free fair split calculator works out a one-off split of your shared costs, at 50/50, by income or your own percentage. It runs in your browser, and what you type isn't sent anywhere.

Try the free calculator

Questions

How does the split by income work?

You each enter your monthly take-home. The sheet divides shared costs in the same proportion. You can switch to 50/50 or a custom percentage any time.

Does it connect to our bank?

No. You type the numbers in, or paste them from a bank export. We never see your numbers.

Will it tell us what to do with our money?

No. It does the math on your numbers and shows you both debt plans. The choices stay with you, including how to split.

Does it work outside the US?

Yes. Set your currency symbol in one cell on the Start here tab.

Can we try the split math first?

Yes. The free fair split calculator works out a one-off split of your shared costs, at 50/50, by income or your own percentage.

What if it isn't for us?

If the sheet isn't right for you, email the address on your Payhip receipt within 14 days of purchase for a full refund.

How do we get help?

Email the address on your Payhip receipt.