The Couple's Money Merge Kit — 7 Spreadsheets + Guide
The Couple's Money Merge Kit — 7 Spreadsheets + Guide
Stop Fighting About Money. Start Building Together.
Most couples don't have a money problem. They have a "we never agreed on the rules" problem.
One person makes $4,500. The other makes $3,000. But you split rent 50/50 because "that's what fair couples do." The higher earner feels guilty. The lower earner feels like a dependent. Nobody wins. Everybody simmers.
Then there's the "permission" problem. "Can I buy this?" Coffee. Shoes. A night out. You're not their parent. You shouldn't need approval for a $40 purchase.
The Couple's Money Merge Kit is the system that replaces the fights with a 20-minute monthly check-in.
What's Inside
✅ The Fair Share Calculator
Plug in your incomes. It tells you who pays what — proportionally. No more 50/50 guilt. No more "you owe me" Venmo requests.
✅ Spending Threshold Rules
Four zones: No-Ask ($50), Heads-Up ($150), Discuss First ($300), Joint Decision ($500+). The rules are yours to customize, but having them written down changes everything.
✅ The Money Date Template
A 20-minute monthly agenda: Wins, Numbers, Goals, Tension, Action Items. With a timer. Because money dates work when they're regular and safe, not when they spiral into two-hour debates.
✅ Debt Disclosure Worksheet
Fill it out alone. Swap sheets. Talk through the prompts. It's the hardest page in the kit. If you can do it together, you can handle anything.
✅ Account Decision Tree
Joint, separate, or hybrid? Five questions. No right answer — only the right answer for you.
✅ Sinking Funds Tracker
Turn "we can't afford that" into "we're 4 months away." With text progress bars because watching the blocks fill is half the dopamine.
✅ 5-Page PDF Guide
Not "communicate openly." The actual words to say when you're nervous and don't know how to start.
How It Works
- Download instantly. You get Excel (.xlsx) and Google Sheets links.
- Spend 60 minutes this weekend. Pour two drinks. Sit down together. Work through the Welcome sheet.
- Use the Money Date monthly. 20 minutes. Same time every month. That's the maintenance.
Real Results
"We used the Fair Share Calculator in 10 minutes. For the first time, nobody felt like a dependent or a sugar parent."
The Details
- Format: Excel (.xlsx) + Google Sheets
- Delivery: Instant digital download
- Updates: Free lifetime updates
- Refund policy: 14-day money-back guarantee. If it doesn't help, keep it and get your money back.
$39. Cheaper than one therapy session. More useful than 100 budget apps.