Question 1

Is Halfway free to use?

Accepted Answer

Yes! Halfway has a generous Free plan that includes unlimited manual transactions, automated expense splitting, shared budgets, goals, and settle-up tracking. For couples who want automation, we offer a Premium plan ($9.99/mo) that includes bank connections, automatic syncing, AI categorization, and advanced insights.

Question 2

Do I have to link my bank accounts?

Accepted Answer

No, linking bank accounts is optional. The Free plan is designed for manual transaction entry. Bank linking is a feature of our Premium plan, which automates the process by syncing transactions directly from your financial institutions via Plaid.

Question 3

How do I invite my partner?

Accepted Answer

After creating your account, go to Settings > Household, and use the 'Invite Partner' button. They'll receive an email invitation to join your household. Once they accept, you'll both be able to see and manage shared expenses together.

Question 4

Is there a mobile app?

Accepted Answer

Yes! Halfway has native apps for both iOS and Android. Download the app from the App Store or Google Play Store to get the full mobile experience with push notifications, biometric login, and seamless syncing across all your devices.

Question 5

What does Premium include?

Accepted Answer

Halfway Premium automates your financial life. It includes secure bank connections via Plaid, automatic transaction syncing, AI-powered smart categorization, advanced spending insights, priority support, and two complimentary 1:1 sessions with a registered financial advisor.

Question 6

Does one Premium subscription cover both partners?

Accepted Answer

Yes! One Premium subscription covers your entire household. Once one partner upgrades, both partners get access to all Premium features immediately with no extra cost.

Question 7

How do I cancel my Premium subscription?

Accepted Answer

You can cancel your Premium subscription at any time from Settings > Billing. Your Premium benefits will continue until the end of your current billing period.

Question 8

Can I track subscriptions automatically?

Accepted Answer

Yes! Our subscription tracking feature helps you manage recurring payments like streaming services, utilities, rent, and gym memberships. While transactions are for one-time or irregular expenses, for subscriptions you simply set the amount, due date, and split preference once, and Halfway will automatically track them each month.

Question 9

What can Penny do?

Accepted Answer

Penny is your AI financial assistant built into Halfway. You can ask her questions about your spending, budgets, splits, and savings in natural language. She's designed for couples: warm, non-judgmental, and always relationship-aware. Penny is available on both Free and Premium plans.

Question 10

Can I use Halfway if my partner and I have different incomes?

Accepted Answer

Absolutely! Halfway is designed for fairness, not just 50/50 splits. You can set a default split based on income percentage or customize the split for any individual transaction.

Question 11

Do we both need to sign up, or can I use it solo?

Accepted Answer

Halfway is built primarily for couples, but you can absolutely use it solo! Just skip the invite step. You'll still get access to budgets, expense tracking, financial goals, and Penny. If your partner doesn't want to use the app, you can still use it on your own to track shared expenses you pay for and keep a clear record to help you settle up later.

Question 12

How does 'Settle Up' work?

Accepted Answer

The 'Settle Up' feature calculates who owes whom based on all shared expenses. It simplifies the math by netting out debts, so you only need to make one transfer to get back to even. You can settle up via external payment methods (like Venmo or Zelle) and then record it in Halfway.

Question 13

Can I split expenses by percentage instead of 50/50?

Accepted Answer

Absolutely! You can set custom split ratios for each expense category or individual transaction. For example, if one partner earns more, you might split rent 60/40 or 70/30. Halfway makes fair splitting flexible and transparent.

Question 14

How does Halfway keep my financial data secure?

Accepted Answer

Security is our top priority. We use Plaid to securely connect to your financial institutions, meaning we never see or store your bank login credentials. All your data is encrypted with bank-level security (TLS in transit, AES-256 at rest), and we do not sell your personal information.

Question 15

Can I track personal expenses too?

Accepted Answer

Yes! Every transaction can be marked as 'Mine', 'Theirs', or 'Shared'. Your personal expenses stay private to you, and only shared expenses are visible to your partner. This helps you maintain independence while staying transparent about shared costs.

Question 16

Can I export my data?

Accepted Answer

Yes, you can export your transaction history to a CSV file at any time from the Settings menu. This is useful for your own records or for importing into other financial tools.

Frequently Asked Questions

Getting Started

Features & Pricing

Managing Your Household

Security & Privacy

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