Christmas savings plan template for couples
Add up your gifts, travel, food and decorations, then see what to save each month and each paycheck to have it by your date, and who puts in what.
Checked November 8, 2026
Your Christmas savings plan
The numbers below are an example, not yours. Change any of them. Nothing you type leaves this page.
every two weeks
What you are saving for
Your plan
$2,350 in all, $200 saved, $2,150 to go.
Working it out…
Keep this plan going in Wonderful.
You sign up, and once setup is done Wonderful asks before it adds these as goals. The first week is free, then it is $14.99 a month or $99 a year for both of you.
How the plan is worked out
Still to save is the total of your funds minus what you have saved. Months left is the days to your date divided by 30.4. Per month is still-to-save divided by months left (a month at most, so under a month the whole of it falls now). Per paycheck divides it by the paychecks left at your pay rhythm: 52 a year if weekly, 26 if every two weeks, 24 if twice a month, 12 if monthly.
What the same $2,350 costs by start date
| Start saving | Months | Each month | Each biweekly paycheck |
|---|---|---|---|
| January 1 | about 12 | $196 | about $90 |
| June 1 | about 7 | $336 | about $157 |
| September 1 | about 4 | $588 | about $294 |
| Mid-November | about 1 | $2,350 | about $1,175 |
If you are reading this in November, take the last row as the warning, and shrink or move a fund. Gifts and travel are the two that move the most. A smaller gift budget or one trip fewer lowers every row.
Two people, three ways to share it
With $4,800 and $3,600 of monthly take-home and $196 a month to save, even is $98 each. By income is about $112 and $84, because the pays are 57% and 43% of the two together. In one pot, the saving comes out of your shared money and neither of you has a share to track. None of them is the right one; it is the one you both think is fair. See how to split bills by income and the fair split calculator.
Keeping it going
The button under the template carries your funds into Wonderful as goals, with your date. Wonderful asks before it adds them. It runs in a browser with no iPhone or Android app, and after the free week or $1 first month there is no free plan: $14.99 a month or $99 a year for the household. If a printed page is all you need, use the template above and skip it.
Questions people ask
How much should we save each month for Christmas?
Add up everything you plan to spend, take off what you already have, and divide by the months left. $2,350 started on January 1 is about $196 a month. The same $2,350 started on September 1 is $588 a month, so the earlier you start the smaller each step is.
It is already November. Is it too late?
No, the sum is the same with fewer paychecks. Put your date in the template and it divides what is left by the paychecks before then. If the number is too big, shrink the biggest fund (travel is often the one) or move a fund to January.
What should a Christmas fund cover?
Gifts, travel, food and hosting, and decorations are the four in the template. Cards, postage, wrapping and the office party are easy to forget, so add a fund for them. Rename or delete any line.
How do two people split a Christmas savings plan?
Three common ways. Even: each puts in half. By income: each puts in the share your take-home is of the two together. One pot: the saving comes out of your shared money first. Enter both take-homes and the template shows all three.
Is this a spreadsheet I can keep?
Press Copy as spreadsheet and paste it into Google Sheets or Excel, or press Print for a paper copy. Nothing you type is sent anywhere.
Wonderful gives general information. It isn't a financial or tax advisor.