I'm looking for an expense tracker app/site that hopefully suits my very specific needs.
I'll include a screenshot of how I currently budget for myself and my husband, but here's the situation. (here's the expense tracker)
My husband and I don't have joint money, but instead, I handle paying all of the bills and he sends me his half of the share twice a month. So my spreadsheet is all of our joint bills and my personal ones.
The spreadsheet considers every bill and subscription, whether it be monthly, quarterly, or annually, and breaks it down to what we need to add to this "bill-pay account" every paycheck. I get paid every Thursday, and he gets paid on the 1st and 15th, and then transfers money over to this account. His personal bills (car payment, credit cards, etc) are his own business and he deals with them on his own.
We keep enough money in there that we're always 2 weeks ahead just in case his transfer comes in late (money coming in on the 1st actually pays for the second half of the month), but here is my issue: I can't really tell how much *extra* money we have in the account. As you can see, right now I have to add $536 per paycheck to the account, but I have a set $550 go in every week from direct deposit. My husband rounds up his contributions too. And I can't just take the difference of sums and compare it to the account balance, because some of that money is a fractional amount towards quarterly or annual payments.
Are there any apps that can help me with this? Or can anyone think of a way I can modify my spreadsheet to help with this conundrum? Thanks!
(for clarity, the purple numbers are utilities that change every cycle, and the blue numbers are expenses that happen quarterly/annually. Black numbers are standard monthly expenses)