DESIGNED FOR COUPLES
The Budgeting App for Couples Who Earn Differently
Track shared household expenses. Split bills fairly by income and reach your financial goals together.
See Your Full Financial Picture
- Track your shared net worth as it grows together over time.
- See yours, shared and combined in one place.
- One dashboard for both of you.
This Month at a Glance
Total Expenses$4,280
Maya Spent$3,068
Carlos Spent$1,212
Who Covered What
What Maya Covered
Rent Payment$2,200
Target$87.32
What Carlos Covered
Whole Foods$142.50
Date Night$98
Carlos owes Maya $500
Log It. Split It. Settle It.
Three steps. Halfway does the math.
- 1
It Lands
Add an expense in seconds, import a bank file, or connect your bank on Premium in the US and Canada. We remember who paid.
- 2
It Splits
Mark it shared or personal. Shared splits by your income ratio. Personal stays yours.
- 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's ViewDashboard
GroceriesShared • Today
$142RentShared • May 1
$2,200Spa Day
$180Only you see this
Carlos's ViewDashboard
GroceriesShared • Today
$142RentShared • May 1
$2,200Gaming
$89Only you see this
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 in three views: yours, shared, and combined (yours plus shared). Never your partner's personal accounts.
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 Two People Need in One App
Fair Expense Splitting
Shared & Personal Budgets
Financial Goals
Expense Tracker & Bill Management
Private by Default
Smart Insights
Meet Penny, Your AI Money Buddy
Ask Penny how you're doing, have her log a shared expense, or get tips to save together.
How are we doing this month?
Help us plan a date night on a budget
Log $45 for groceries, split shared
Two One-Hour Sessions with a Licensed Financial Professional
Premium households in the US get two one-hour video sessions with a licensed financial professional. Bring your budget, your goals and your questions.
Licensed financial professionals
Personalized guidance for your relationship
Included with Premium in the US
Different Incomes. One Fair Split.
Free to start. No bank connection required. Set up in minutes.
Get started freeHow Halfway Compares
| App | Splits by income | Who owes whom | Free plan |
|---|---|---|---|
| Halfway | Yes | Yes | Yes |
| Monarch | No | No | No |
| Honeydue | No | Basic | Yes |
| YNAB | No | No | No |
| Splitwise | Manual % | Yes | Limited |
Frequently Asked Questions
Everything you need to know about privacy, security, and managing money together.
Only what you mark as shared. Your personal spending never reaches your partner's side.
No. Keep your own bank accounts and mark which expenses are shared. Add them by hand, import a bank file on Plus, or connect your banks on Premium in the US and Canada.
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. Penny, our built-in AI assistant, splits expenses, sums up your spending and plans a budget-friendly evening, always from both of your sides.
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.
Halfway. Enter both incomes once and every shared expense splits in proportion. Monarch, YNAB and Honeydue track shared bills but leave the split to you. Splitwise lets you type in a custom percentage yourself.
It depends on how you share money. Monarch suits couples who pool everything into one view. YNAB suits couples who want to plan every dollar together. Halfway is built for couples who earn different amounts: shared costs split by income, and personal spending stays private.