Halfway
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Love is 50/50.
Rent shouldn't be.

When you earn different incomes, equal isn't fair. Automatically split household expenses 60/40, 70/30, or any ratio that matches your incomes.

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Loved in 30+ countries
3languages
No ads, ever

See what fair really looks like

Enter incomes for Maya and Carlos to discover how Halfway makes splitting expenses feel balanced, not 50/50.

Play with the numbers ↓
Maya

Maya

Carlos

Carlos

Recommended Split57% / 43%

For a shared rent of $1,500, Maya would contribute $857 while Carlos adds $643.

Ready to see all your shared expenses in one place?

Try Halfway Free
REAL-TIME BALANCE

Always Know Who Owes What

No mental math. No spreadsheets. No awkward "hey, you owe me" texts. Halfway keeps a running tally of shared expenses so settling up is just one tap away.

This Month at a Glance

Total Expenses$0
Maya Spent$0
Carlos Spent$0

Who Covered What

What Maya Covered
Rent Payment
$2,200
Target
Target
$87
What Carlos Covered
IKEA
IKEA
$250
Date Night
$98
View all transactions →
Carlos owes Maya $500
12,000+ INSTITUTIONS

All Your Accounts in One Place

Banks, credit cards, investments, and more. Halfway syncs with over 12,000 financial institutions through Plaid so your transactions show up automatically.

Halfway connects with Chase
Halfway connects with Bank of America
Halfway connects with Wells Fargo
Halfway connects with Citi
Halfway connects with Capital One
Halfway connects with U.S. Bank
Halfway connects with PNC
Halfway connects with Fidelity
Halfway connects with Charles Schwab
Halfway connects with Vanguard
Halfway connects with Robinhood
Halfway connects with American Express
Halfway connects with Discover
Halfway connects with Chime
Halfway connects with SoFi
Halfway connects with USAA
Halfway connects with Ally
Halfway connects with Truist
Halfway connects with TD
Halfway connects with BMO
Halfway connects with Scotiabank
Halfway connects with Wealthsimple
Shared
Personal
IKEA
Today
$250
Personal
Marked as 100% your expense.
AUTOMATIC CLASSIFICATION

Swipe Left, Swipe Right, Sorted

Swipe left for shared, swipe right for personal. Halfway automatically applies your fair split to every shared expense. No spreadsheets, no calculations, no arguments.

Halfway: couple meeting with a licensed financial professional for free budgeting guidance

Get Two Free Sessions with a Licensed Financial Professional

Premium includes complimentary one-on-one sessions with a licensed financial professional from our partner firm, Amplify Financials. Purely educational, with no obligation and nothing to buy through Halfway. Come with questions, leave with clarity.

Learn How It Works
THE RESEARCH IS CLEAR

Money stress doesn't have to break your relationship.

These aren't just statistics. They're the reality millions of couples face. Halfway gives you the tools to write a different story.

0%

of couples argue about money more than any other topic.

Source:American Association of Marriage & Family Therapy, 2024
0%

of people cite financial strain as a key contributor to divorce.

Source:Talkspace / APA Study, 2025
1 in 3

people think their relationship is limiting their financial growth.

Source:WalletHub Survey, 2026
0%

say financial disagreements are worse than political ones.

Source:WalletHub Survey, 2026

We do the math. You get your evening back.

Connect your accounts, set your split once, and stop recalculating it every month. Free on iOS and Android.

Download on the App StoreGet it on Google Play

Available in English, Spanish, and French

Person using Halfway budgeting app on their phone

Peace of Mind, Built In

Your Data Stays Yours

We never sell your information or use it for ads. Your personal spending stays completely private. What you share is entirely up to you.

Protected Like Your Bank

Industry-standard 256-bit encryption protects your data in transit. Bank connections are read-only, and we never see or store your bank login credentials.

Built on Trusted Infrastructure

We partner with Plaid, the same secure platform used by Venmo, Robinhood, and thousands of financial apps, to safely connect your accounts. We never see your bank login credentials.

Couples who use Halfway argue about money 43% less.

Fair, income-based splitting takes the tension out of shared expenses, so you can focus on the relationship, not the receipts.

Based on a Halfway user survey, March 2026.

Ally
"My partner earns more than me, and I always felt guilty about 50/50 splits. Halfway's income-based splitting is a game changer. We both contribute fairly without the awkward conversations."
AllyFair splits with unequal incomes
Bharat & Ilana
"We used Splitwise for years, but it always felt like we were roommates keeping score. Halfway actually understands how couples share money. It's simpler and way less transactional."
Bharat & IlanaFinally moved on from Splitwise
"We used to track shared expenses in a messy Google Sheet that we'd both forget to update. Halfway keeps everything in one place and always up to date. It's like having a financial assistant for our relationship."
EJ
Emma & JamesNo more spreadsheet hell
"We're not ready to merge bank accounts, but we wanted transparency on shared bills. Halfway gives us both: complete independence and total clarity. It's perfect for modern couples."
MA
Marcus & AlexIndependence without the headache
"I love that we can see our shared spending without giving up control of our personal accounts. It's accountability without the invasion of privacy. Exactly what we needed."
PS
Priya & SamTransparency without losing control

Frequently Asked Questions

Only what you choose to share. Your personal transactions are completely private. Your partner only sees expenses you've marked as "Shared." You're always in control of what stays yours. This makes Halfway perfect for couples who want expense transparency without sacrificing financial independence.

Halfway supports multiple splitting methods: 50/50, proportional to income or salary, or custom percentages. Many couples who keep finances separate find proportional splitting most fair: each partner contributes the same percentage of their income to shared expenses. You can even set different split ratios for different spending categories.

Very. All connections to Halfway are secured with SSL/TLS, and your bank connections run through Plaid, so we never see or store your banking credentials. Bank access is read-only: Halfway can read transactions and balances, and can never move money.

Halfway is a free personal finance app with all core features included for managing shared expenses manually. If you want automatic bank syncing and advanced insights, upgrade to Premium for $11.99/mo.

Halfway is built primarily for couples. One of you creates a household and invites your partner, giving you both separate logins, privacy controls, and equal access to your shared finances. However, you can absolutely use Halfway solo! Just skip the invite step. You'll still get access to budgets, expense tracking, financial goals, Penny, and everything else. You just won't need the splitting and settle-up features until you add a partner.

It's optional. Halfway's free plan lets you track expenses manually for full control and privacy. Want to save time? Upgrade to Premium ($11.99/mo) for automatic bank syncing via Plaid. Securely connect your accounts and transactions import automatically.

Yes! Our subscription tracking feature detects and helps you manage recurring subscriptions like streaming services, utilities, rent, and gym memberships. Set the amount, due date, and split preference once, and Halfway will automatically track them each month. No more forgetting who paid for Netflix or the internet bill.

Penny is Halfway's built-in AI financial assistant. She can answer questions about your spending, budgets, and splits in plain, friendly language. She can also take action for you: log transactions, create budgets, set savings goals, and more. Just tell her what you need and confirm. Penny is included in the free plan: you get 5 conversations a month. On paid plans, you get unlimited.

Fair splits. Private spending. One app.

Halfway helps couples and spouses track household expenses, manage budgets, and reach their financial goals, without giving up privacy or independence.

Get started today