Question 1

How does income-based expense splitting work?

Accepted Answer

Halfway calculates a 'Fair Split' ratio based on both partners' monthly net incomes. Instead of splitting everything 50/50, expenses are divided proportionally, so the partner who earns more contributes a fair percentage to shared costs.

Question 2

How do I connect my bank account?

Accepted Answer

You can securely connect your bank accounts using Plaid to automatically import your transactions. Go to the Accounts page and click 'Connect Bank' to link your checking, savings, or credit cards.

Question 3

How does privacy work? Can my partner see my transactions?

Accepted Answer

Halfway is built on privacy. Transactions are personal by default and only visible to your partner when you explicitly mark them as 'Shared'. Your partner cannot see your personal transactions or your total bank account balances unless you choose to share them.

Question 4

What is included in Halfway Premium?

Accepted Answer

Halfway Premium includes automatic bank syncing, advanced AI insights, smart transaction rules, and business expense tracking. One subscription covers the entire household, so both partners get full access immediately.

Question 5

How do I settle up with my partner?

Accepted Answer

The dashboard shows a running 'Who Owes Whom' balance based on your shared expenses. When one partner pays the other back via Venmo or cash, you can record the payment using the 'Settle Up' button to correctly reduce or reset the balance.

Question 6

How do I create a shared budget?

Accepted Answer

Navigate to the Budgets page and toggle the view to 'Shared' to set household limits. Click 'Set a Budget', choose a category, and enter the monthly limit to start tracking your joint spending.

Question 7

How do I track recurring expenses and subscriptions?

Accepted Answer

Halfway automatically detects subscriptions and recurring bills from your transaction history. You can view them on the Recurring page, confirm whether they are shared or personal, and receive upcoming renewal reminders.

Question 8

Can I export my financial data?

Accepted Answer

Yes, your data is always yours. Go to Settings > Your Data to export a CSV/ZIP of all your transactions or a PDF spending report at any time. The same page also lets you import your history from Splitwise.

Question 9

How do I set a custom split on a specific transaction?

Accepted Answer

Open any transaction's details and change the Split dropdown to 'Custom'. From there, you can enter exact percentages or specific dollar amounts to override the household's default split ratio for that single purchase.

Question 10

How do I set custom split ratios for categories?

Accepted Answer

You can set default split ratios for entire categories to automate your expense sharing. Go to Settings > Organization > Categories and adjust the split slider for any predefined or custom category.

Question 11

How do I create transaction rules?

Accepted Answer

Transaction rules allow you to automate how expenses are handled. Go to Settings > Organization > Rules to create patterns that automatically categorize, split, and tag incoming transactions based on the merchant's name.

Question 12

How do I use tags to organize spending?

Accepted Answer

Tags are perfect for tracking spending across multiple categories, like a specific vacation or a home renovation project. You can create and manage tags in Settings > Organization > Tags, and apply them to any transaction.

Question 13

How do I create custom categories?

Accepted Answer

If the predefined categories don't fit your needs, you can easily create your own. Navigate to Settings > Organization > Categories to add custom categories like 'Pet Expenses' or 'Wedding' and assign them unique split ratios.

Question 14

What is the free trial?

Accepted Answer

We offer a 14-day free trial of Halfway Premium with no credit card required upfront. The trial is currently available to users in the US and Canada and provides full access to bank syncing, smart rules, and AI insights.

Question 15

How do I invite my partner to Halfway?

Accepted Answer

To invite your partner, go to Settings > Members > Invite Partner. Enter their email address to send them a secure invitation link so they can join your household.

Question 16

What is Penny AI?

Accepted Answer

Penny is your personal AI financial assistant built right into Halfway. Not only can Penny answer questions about your spending and budgets, but you can also ask Penny to take actions like logging transactions, creating budgets, or setting savings goals.

Question 17

How does business expense tracking work?

Accepted Answer

Business tracking is a Premium feature designed for freelancers and side hustlers to separate business finances from personal spending. You can create multiple businesses, tag relevant transactions, and view dedicated profitability dashboards.

Question 18

What are account sharing modes?

Accepted Answer

Connected accounts can be set to Personal, Joint, or Pooled Fund modes. Personal keeps transactions private by default, Joint automatically shares new transactions, and Pooled Fund is for accounts you both pre-fund where transactions don't affect your settlement balance.

Question 19

How do I handle refunds for shared expenses?

Accepted Answer

When a refund is imported from your bank, simply mark it as 'Shared' with the exact same split ratio as the original purchase. Halfway will automatically calculate the math and offset your 'Who Owes Whom' balance correctly.

Question 20

What languages does Halfway support?

Accepted Answer

Halfway is fully translated and currently supports English, Spanish, and French. You can change your preferred language at any time in your account settings.

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