Couples Finance OS Bundle-Couples Budget Planner, Expenses, Bills, Savings, Debts| HTML App, Excel, Google Sheets, Printable & Fillable PDF

Description

💑 COUPLES FINANCE OS — Shared Budget, Bills, Savings & Debt Tracker

Your finances. Together. Organized. ✨
One calm, private place for the two of you to plan a shared budget, split costs fairly, stay on top of bills, pay off debt and grow your savings. No subscription, no account, no bank login. Just your numbers, on your device.

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🎁 WHAT YOU GET (instant download)
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💻 1. The interactive app (HTML)
Opens in any browser on Windows, Mac, iPhone, iPad and Android. iPhone, iPad and Mac users get a private link + QR code to add it to the Home Screen or Dock like a real app.
📊 2. The spreadsheet: Excel + Google Sheets
A demo version (filled with a sample year) and a blank version ready for your numbers. 17 tabs including Dashboard, Budget, Bills, Debt Plan, Contributions and Monthly & Annual Reports. Works in Excel 2010 or later, Excel for the web and Google Sheets (one-click "Make a copy").
🖨️ 3. Printable + fillable PDF planner (15 pages)
In A4 and US Letter. Type on screen in Adobe Acrobat Reader, or print and write by hand.
📘 4. Guides
A 6-page User Guide, a 4-page "How to open on iPhone & Mac" guide and a readme, so you're never stuck.
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✨ FEATURES YOU'LL LOVE
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📈 Dashboard: income, expenses, what's left, savings, debt and net worth at a glance, with charts and month or year views
💰 Monthly budget: plan every category; budgets carry forward automatically; optional zero-based mode
🧾 Transactions: mark everything Shared or personal and who paid; search, filter and sort; recurring entries for salary, rent and subscriptions
📅 Bills: overdue / due today / this week reminders, a bill calendar, auto-pay flags and a fair split for every shared bill
⚖️ Fair splits: 50/50, income-based or a custom % — your choice
🤝 Settle Up: see exactly who owes whom each month, with no awkward math
🐷 Savings goals + sinking funds: target dates, required monthly amount and "on track" status
💳 Debt payoff: compare Avalanche vs Snowball and see your debt-free date and the interest you save
🎯 Big shared goals: house, travel, wedding, investing
🏡 Net worth: assets, liabilities and monthly snapshots to watch your wealth grow
🖨️ 8 printable reports + CSV export
🌙 Light & dark mode, plus 6 currencies (USD, EUR, GBP, GEL, CAD, AUD) or your own symbol
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🔒 PRIVATE BY DESIGN
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✔️ Your data stays on your own device and is never uploaded to a server
✔️ No account, no tracking, no monthly fees
✔️ Automatic safety snapshots + one-tap JSON backup to move your data between devices
✔️ The spreadsheets have no macros and no external links
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💡 PERFECT FOR
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💍 Newlyweds and engaged couples merging finances
🏠 Couples moving in together
👫 Partners with different incomes who want a fair split
🎯 Couples saving for a house, wedding, baby or dream trip
💳 Couples paying off debt together
☕ Anyone who wants a calm monthly "money date"
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🚀 HOW IT WORKS
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1️⃣ Purchase and download the files from Etsy
2️⃣ Open the app (double-click it on a computer, or use your private link on iPhone, iPad or Mac)
3️⃣ Enter your names, currency, split method and incomes, which takes about a minute
4️⃣ Start adding transactions, or explore the Alex & Jamie demo first
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❓ GOOD TO KNOW
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📥 This is a DIGITAL product. No physical item will be shipped.
📶 The private link needs an internet connection to open. The downloaded app file works offline on a computer.
🔄 Data doesn't sync automatically between devices. Use the built-in backup to move it.
📊 Google Sheets requires a free Google account.
⚖️ This is a planning and record-keeping tool, not financial, tax or legal advice.
🔁 Because this is an instant digital download, returns and exchanges aren't accepted. But if anything isn't working, message me and I'll make it right.
©️ For personal use only. Please don't share, resell or redistribute the files or your private link.
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💬 QUESTIONS?
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Message me anytime. I usually reply within 24 hours. 💛

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SmartFinanceCore