List shared costs in one place
Record rent, utilities, groceries and agreed savings. Add the amount, due date and person responsible for paying.
Choose contributions before payments are due
Compare equal and income-based splits. If one partner pays a bill in full, record the other's agreed share and repayment date so the same expense is not counted twice.
Example: two accounts, one rent payment
Alex and Sam earn $5,000 and $3,000 a month. They choose income-based contributions for $2,400 rent: $1,500 and $900. Alex pays the landlord; Sam sends Alex $900 before the rent due date. Their accounts stay separate.
Give savings a specific owner and amount
Choose a goal, a monthly contribution and where each person's savings will sit. Record progress together. This worksheet does not change account ownership or give either partner access to an account.
Frequently asked questions
Do we need a joint account to budget together?
No. Your budget is an agreement about amounts and responsibilities. You can keep separate accounts and coordinate payments.
How do we avoid counting reimbursements twice?
Record the bill once as a shared expense. Record the transfer separately as settling a contribution, rather than treating it as another bill.
What information should we share?
Share enough to agree on contributions and track shared goals. Discuss what each person is comfortable sharing before adding personal transactions or account details.
By Fabio, Oaktally. Updated October 5, 2026. Educational examples, not individual financial advice.