Halfway
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DESIGNED FOR COUPLES

The Budgeting App for Couples Who Earn Differently

Track household expenses, split bills fairly by income, and reach your financial goals together, all while keeping personal spending private.

Download on the App StoreGet it on Google Play
Trusted by couples in 30+ countries

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

Total Expenses$4,280
Maya Spent$2,640
Carlos Spent$1,640

Who Covered What

What Maya Covered
Rent Payment$2,200
Target$87.32
What Carlos Covered
Whole Foods$142.50
Date Night$98
View all transactions →
Carlos owes Maya $500

Log it. Split it. Settle it.

Three steps, and two of them happen without you.

  1. 1

    It lands

    Add an expense in seconds, or connect your bank and let it arrive on its own. We remember who paid.

  2. 2

    It splits

    Mark it shared or personal. Shared splits by your income ratio. Personal stays yours.

  3. 3

    It settles

    See how the balance was built before you pay it. No black box, just the arithmetic.

More on how the app that splits bills by income works

How balance is calculated60/40 Split
May 1 – May 31, 2026
Total shared expenses$4,280
Maya paid$3,068
Carlos paid$1,212
Maya's share (60%)$2,568
Maya paid$3,068
Carlos owes Maya$500
Maya
Maya's ViewDashboard
GroceriesShared • Today
$142
RentShared • May 1
$2,200
Spa Day
Only you see this
$180
Carlos
Carlos's ViewDashboard
GroceriesShared • Today
$142
RentShared • May 1
$2,200
Gaming
Only you see this
$89

Shared where it matters. Private everywhere else.

  • Your personal spending never reaches your partner's side. You choose what's shared, one expense at a time.
  • Shared expenses, budgets and goals show up for both of you.
  • Net worth has three views: yours, shared, and both combined into your side. Combined never means the two of you added together.

Never Miss a Shared Moment

Your partner adds an expense, you know. Budget alerts before you overspend, not after. Bills and settlements come to you.

9:41
Notifications
  • 🧾Maya added Groceries · $142.50 · Your share $71.25Just now
  • 🎯You're 80% through your Dining Out budget2h ago
  • 📅Rent is due in 3 daysYesterday
  • 📊Your weekly summary is ready2 days ago

EVERYTHING YOU NEED

Complete financial toolkit for couples and spouses

Fair Expense Splitting

Shared & Personal Budgets

Financial Goals

Expense Tracker & Bill Management

Private Mode

Smart Insights

View All Features
AI-POWERED

Meet Penny, your AI money buddy

Penny understands couples' finances. Ask her how you're doing, have her log a shared expense, or get tips to save together. She's warm, judgment-free, and always has your back.

How are we doing this month?
Help us plan a date night on a budget
Log $45 for groceries, split shared
Meet Penny

Get two free 1-on-1 sessions with a licensed financial professional

Every couple gets two free 1-on-1 sessions with a licensed financial professional. Get personalized advice on budgeting, saving, and planning your financial future together, no extra cost, no strings attached.

Licensed financial professionals
Personalized guidance for your relationship
Completely free, no obligations
Meet the Advisors
Registered financial advisor meeting with a couple

Different incomes. One fair split.

Free to start. No bank connection required. Set up in minutes.

Get Started

Frequently Asked Questions

Everything you need to know about privacy, security, and managing money together.

Your partner can only see accounts and transactions that you explicitly choose to share. Unlike joint accounts, you maintain complete control over your privacy. Only mark expenses as "shared" when you want them visible to your partner. Your personal spending remains completely private.

No! That's the beauty of Halfway. You can keep your separate bank accounts and still manage shared expenses together. Simply connect your individual accounts and mark which expenses are shared.

You decide how to split each expense: 50/50, by income ratio, or custom amounts. Halfway automatically tracks who owes whom and makes settling up simple.

Absolutely. 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.

You can easily disconnect from your partner at any time. Your individual account and data remain yours. You can continue using Halfway solo or invite a new partner.

Yes! Halfway supports income-based splitting, so you can divide expenses proportionally based on each person's earnings. This ensures fairness regardless of income differences.

Yes! Penny, our built-in AI assistant, is designed specifically for couples. Ask her how to split expenses fairly, get a spending summary, or plan a budget-friendly evening. She understands your data and speaks in "you both" and "together," because that's what matters.

Absolutely. Halfway is built exactly for this. Enter both salaries and it calculates a proportional split so each person pays their fair share of household expenses. The partner earning more contributes more, but you can customize the ratio however you prefer.

Yes. While Halfway is designed for two-person households, it works for any family managing shared and personal finances. Whether you're newlyweds, married with kids, or unmarried partners sharing a household: it fits.