Frequently Asked Questions

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. New to Halfway? You can try Premium free for 14 days, no credit card required. Available for US and Canadian users.

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.

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.

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.

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. You can try all of these features free for 14 days with our no-credit-card-required trial.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Yes, that's exactly what Halfway was built for. Enter both salaries and Halfway calculates a proportional split. The partner earning more contributes more toward shared household expenses, while personal spending stays completely private.

Halfway is designed for two-person households, whether you're married spouses, engaged partners, or living together. It handles shared household expenses, personal budgets, financial goals, and settlements. Families with kids find the subscription tracking and budget features especially useful.

Most personal finance apps are designed for individuals. Halfway is built specifically for couples who share some expenses but keep other finances separate. It handles the 'who owes what' math automatically, tracks spending habits for both partners, and includes couple-specific features like proportional splitting and shared financial goals.