Crush your couple goals by coming up with a plan to focus your spending on what you value—together.

5 tips for budgeting as a couple

Track your income and expenses

Spending less than you earn is crucial for hitting your money goals as a couple—which means knowing exactly how much you’re spending versus bringing in. List all of your joint income—including any from side hustles—as well as bills, purchases, and other expenses to get an idea of where you stand in terms of your monthly cash flow. 

Talk about what you care about

Do you and your partner know each other’s values? And does your spending reflect those values? When your values are aligned, you have the opportunity to reach better outcomes as a united front. And if you have differing values or priorities, talk about those, too. You can still support each other while reaching your unique goals. 

Map out your goals

Your short- and long-term goals should be reflected in how you budget. Making room for your priorities, like building an emergency fund or buying a home, can help you better plan for your future. 

Use a budgeting tool

Ask any handyman: Most jobs are easier when you have the right tools. A budgeting tool that works for you, like our Super budget spreadsheet, can make budgeting a breeze. There are many digital apps and tools available that can also help you stay organized, allowing you to create spending categories and set limits for each. 

Download Super budget worksheet (XLSX)Download Super budget worksheet (XLSX)

Keep each other accountable

Once you have a plan, don’t let your hard work go to waste! Have a regular household budget meeting to check in and make sure you’re both on track with your shared and individual money goals. When you work together and stick to your plan, your bank account—and relationship—will benefit. Check in together consistently to celebrate your progress toward goals and ensure the budget is working.

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Debt versus savings calculator

This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

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Open up to four additional checking accounts for different goals or spending categories.1, 2