Budgeting for Couples Who Keep Finances Separate
Track shared expenses, split bills fairly, and reach your goals together—all while keeping your personal finances private.
Know who owes what, instantly
Real-time balance tracking shows exactly where you stand. No more awkward conversations or mental math.
Fair splits that work for you
Split 50/50, by income, or custom ratios. Mark expenses as shared or personal to maintain independence.
Shared view, separate accounts
See shared expenses like rent and groceries together while your personal spending stays completely private.
Built for transparency
Clear insights and automatic categorization turn money management into a collaborative experience.
See Your Full Financial Picture
- Track your shared net worth as it grows together over time.
- Know exactly who owes what, updated in real-time after every purchase.
- One dashboard for both of you—no spreadsheets, no guesswork, just clarity.
This Month at a Glance
Who Covered What
Every Purchase, Tracked Automatically
- Add expenses in seconds. We'll remember who paid and split it fairly.
- Mark purchases as shared or personal—your private spending stays private.
- Review together and make sure every dollar is accounted for.
Settle Up with Confidence
- See exactly how your balance is calculated—no black boxes, just simple math.
- Review what each person paid and what they owe before settling.
- Keep a complete history of every settlement for your records.
Your Spending Stays Private
- Personal purchases are completely hidden from your partner.
- Only shared expenses appear on your joint dashboard.
- You decide what to share—mark any expense as personal or shared.
Never Miss a Shared Moment
- When your partner adds an expense, you'll know instantly. No chasing, no "did you log that?"
- Get budget alerts before you overspend, not after.
- Settlement reminders and bill due dates come to you. You don't have to go looking.
EVERYTHING YOU NEED
Complete financial toolkit for partners
From daily expenses to long-term goals, manage it all in one place.
Fair Expense Splitting
Shared & Personal Budgets
Savings Goals
Bill & Subscription Tracking
Private Mode
Smart Insights
Meet Penny, your AI money buddy
Penny understands couples' finances. Ask her how you're doing this month, how to split fairly, or for tips to save together. She's warm, judgment-free, and always has your back.
Get two free 1-on-1 session with a Certified Financial Advisor
Every couple gets two free 1-on-1 session with a registered financial advisor. Get personalized advice on budgeting, saving, and planning your financial future together—no extra cost, no strings attached.
Frequently Asked Questions
Everything you need to know about privacy, security, and managing money together.
Start managing money together
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