Kindly BudgetSplit bills fairly. Talk money calmly. 20 minutes a month.
The Couples Money Date Kit shows what each of you pays — 50/50, by income or your own split — and gives you a ready-made 20-minute money date, so money stops being the thing you avoid.
Secure checkout by Polar · Card, Apple Pay, Google Pay · Love it or it's free (14 days)
- Google Sheets, Excel & Numbers + printables
- 50/50 vs. fair share, side by side
- Instant download · $, £, €, CA$, A$
Money is the conversation you keep postponing.
- One of you earns more, and 50/50 doesn't feel fair — but nobody wants to be the one to say it.
- You never decided who pays what, so someone is always quietly keeping score.
- Money talks only happen when something goes wrong, so they always feel like a fight.
- 62% of couples keep at least some money separate — and most never wrote down how "ours" works.
You're not bad at money as a couple. You just never had a system for "ours".
When you agree on a split, see the numbers side by side and meet once a month with an agenda, money becomes a 20-minute check-in instead of a recurring argument. Nobody has to be the "money person" alone.
The Yours · Mine · Ours Method
Four parts that work together:
Ours
List your shared bills and goals once. Choose 50/50, a fair share by income, or your own %. The kit shows what each of you moves to the joint account every payday.
Yours & mine
Set personal fun money for each of you and a "check in first" amount. Below it, no questions asked.
Settle up
Log who paid for what. The kit keeps a running "who owes whom", so nobody keeps score in their head.
Money date
Once a month, 20 minutes, 4 steps: Bills, Buffers, Builders, Breathing room — 5 minutes each, then one fun plan.
Real screenshots, real formulas.
What's inside
- Fair Share: 50/50 vs. split by income, side by side — what each of you keeps
- Shared Bills: each partner's part, and what to move to the joint account every payday
- Shared Goals: emergency fund, trips, holidays — the monthly amount for each of you
- Shared Spending: who paid what, with a running "who owes whom" balance
- Money Dates log + a 20-minute agenda built on the 4 buckets
- Dashboard: shared costs, each partner's share, goal progress and what's left for each of you
- 10 printable pages (US Letter + A4): money date agenda and notes, fair-share worksheet, shared bills, Yours · Mine · Ours agreement, goal trackers, holiday money talk
- 36 money conversation questions, from easy to future plans
- 5 currency versions: $, £, €, CA$ and A$
Formats: Excel .xlsx — Google Sheets, Excel and Numbers · Printable kit PDF — US Letter + A4 (10 pages) · 5 currency versions: $, £, €, CA$, A$
How it works
Checkout
Secure checkout by Polar with card, Apple Pay or Google Pay.
Download
Your spreadsheet and printables arrive instantly by email.
Sit down together
Fill in the setup together — about 20 minutes — and pick the date of your first money date.
or it's
free
Love it or it's free
If the kit doesn't make money talks calmer, email us within 14 days of your first purchase for a full refund.
Good questions
We keep our money separate. Does it still work?
Yes. It works with a joint account, fully separate accounts or a mix. It shows who pays which shared bill and keeps a running balance of who owes whom.
Is a fair share by income better than 50/50?
Neither is right for every couple. The kit shows both side by side with your real numbers so you can decide together — or choose your own percentage.
Do we both need Excel?
No. Upload it to Google Sheets and share it with your partner — you can both see and update it from your phones. It also works in Excel and Apple Numbers.
Is this couples therapy or financial advice?
No. It's a planning and conversation tool. If money talks feel really hard, a qualified professional can help.
Which currency does it use?
Your download includes $, £, €, CA$ and A$ versions.
You're on the same team. Now your money can be too.
One split you both call fair, one shared plan, and 20 calm minutes a month.
Not ready yet? Grab the free Subscription Audit.
Secure checkout by Polar · Card, Apple Pay, Google Pay · Love it or it's free (14 days)
Kindly Budget products are educational tools, not financial advice. Example numbers are for illustration only.