Fair Splits, Whatever You Each Earn
Bank sync in the 🇺🇸 US & 🇨🇦 Canada
Free
Everything You Need to Start
$0 / month
Everything you need to manage money together. No limits, no ads, no catch.
- Unlimited manual transactions
- Unlimited shared & personal budgets
- Income-based fair splitting
- Shared & personal goals
- Get alerts before you overspend
- No ads - ever
Premium
Covers Both Partners
$11.99 / month
Includes two free sessions with a licensed financial professional ($300 value)
For couples who want to automate their finances, gain deeper insights, and access expert financial guidance.
Everything in Free, plus:
- Automatic bank syncing (Plaid)
- Import files from banks we can't sync
- AI-powered smart categorization
- Unlimited Penny AI messages
- Forecast your net worth years ahead
- Track business income & expenses separately
No credit card required · US & CA only
30-day money-back guarantee.
Our Philosophy
Fair, Not Complicated
Money conversations are hard enough. Your budgeting tools shouldn't make them harder. So we keep it simple: a free plan that's genuinely useful, and one upgrade that covers your whole household. No per-person pricing, no hidden fees, no surprises.
Everything you need at a glance
Splitting & Settlements
Free
Premium
Split expenses by income ratio, not just 50/50
Yes
Yes
Create custom split rules for different categories
Yes
Yes
Settle up and track who owes what in real time
Yes
Yes
See your full settlement history anytime
Yes
Yes
Budgeting & Goals
Free
Premium
Create shared and personal budgets that work for both of you
Yes
Yes
See exactly how your spending compares to your budget
Yes
Yes
Review your budget history month by month
Yes
Yes
Set shared and personal savings goals together
Yes
Yes
Get alerts before you overspend
Yes
Yes
Transaction Tracking
Free
Premium
Add unlimited transactions manually, anytime
Yes
Yes
Track subscriptions and upcoming bills in one place
Yes
Yes
Track your net worth with manual entries
Yes
Yes
Set rules to organize transactions your way
No
Yes
Transactions are categorized automatically using smart rules
No
Yes
Subscriptions are detected and tracked for you
No
Yes
Connect unlimited banks, cards, loans and investments
No
Yes
Import transactions from your bank's file (CSV)
No
Yes
Reports & Insights
Free
Premium
See where your money goes with spending breakdowns
Yes
Yes
Get detailed reports and deeper spending analysis
No
Yes
Compare your spending month over month
No
Yes
Analyze spending by category and custom tags
No
Yes
Get budget suggestions based on your spending patterns
No
Yes
Forecasting
Free
Premium
Net worth projection from your accounts
No
Yes
Low, expected and high range
No
Yes
Year-by-year projection table
No
Yes
Life events (home, kid, career break, retiring)
No
Yes
Saved scenarios to compare
No
Yes
Editable assumptions
No
Yes
Penny AI Assistant
Free
Premium
Ask Penny about your spending, budgets, and splits (10 chats/month)
Yes
No
Ask Penny anything, anytime, with no limits
No
Yes
Ask Penny to log expenses, create budgets, and set goals for you
No
Yes
Small Business Tools
Free
Premium
Track your LLC, rental property, or side hustle separately (up to 5 businesses)
No
Yes
See dedicated profit & loss reports for each business
No
Yes
Export business data to CSV for tax season
No
Yes
Expert Guidance & Support
Free
Premium
Two free 1:1 sessions with a licensed financial professional
No
Yes
Reach our support team faster with priority email support
No
Yes
Be first to try new features before anyone else
No
Yes
Privacy & Security
Free
Premium
Your data is protected with bank-level encryption
Yes
Yes
Personal spending stays completely private from your partner
Yes
Yes
No ads and we never sell your data
Yes
Yes
Bank connections are read-only through Plaid
No
Yes
Language Support
Free
Premium
Available in English, Spanish, and French
Yes
Yes
Happier Couples Start Here
"My partner earns more than me, and I always felt guilty about 50/50 splits. Halfway's income-based splitting is a game changer. We both contribute fairly without the awkward conversations."
"We used Splitwise for years, but it always felt like we were roommates keeping score. Halfway actually understands how couples share money. It's simpler and way less transactional."
Not Sure Which Plan Is Right for You?
Take our free 2-minute quiz first: joint, separate, or somewhere in between? You'll each find out how you want to handle money, and where the two of you differ.
Take the Free Quiz