Best Couples Budgeting Apps 2026
Managing money together doesn't have to be stressful. Find the perfect app to budget as a team, split expenses fairly, and reach your financial goals together.
Why Couples Need a Budgeting App
Better Communication
Reduce money arguments with transparency
Shared Goals
Save for vacations, homes, and dreams
Fair Splitting
Track who pays what without awkwardness
Savida
Best Overall for Couples
Free / $9.99/mo / $79.99/yr
✓ Pros
- AI-powered insights
- Automated splitting rules
- Works for couples AND other groups
- Bank sync (premium)
- Community support
✗ Cons
- • Bank sync requires premium
Bottom Line: The complete solution for couples who want smart budgeting, fair expense splitting, and AI coaching—plus flexibility for roommates or friend groups.
Honeydue
Made for Couples
Free
✓ Pros
- Specifically designed for couples
- In-app chat
- Emoji reactions
- Bill tracking
✗ Cons
- • Only for couples
- • Limited insights
- • No automation
- • Basic features
Bottom Line: Good free option for couples-only, but lacks advanced features and flexibility.
Monarch Money
Premium Household Finance
$14.99/mo
✓ Pros
- Beautiful dashboard
- Investment tracking
- Goal planning
- Excellent bank sync
✗ Cons
- • No free tier
- • Expensive
- • No expense splitting
- • Complex for beginners
Bottom Line: Premium choice for wealthy couples focused on investments, but pricey with no free option.
Copilot Money
iOS Premium App
$14.99/mo
✓ Pros
- Beautiful iOS design
- Smart insights
- Investment tracking
- Subscription management
✗ Cons
- • iOS only
- • No Android
- • No expense splitting
- • Expensive
Bottom Line: Great for iPhone couples who don't need expense splitting, but excludes Android users.
YNAB
Zero-Based Budgeting
$14.99/mo
✓ Pros
- Proven methodology
- Great educational resources
- Goal tracking
- Shared budgets
✗ Cons
- • Steep learning curve
- • Expensive
- • No expense splitting
- • Manual approach
Bottom Line: Best for couples committed to zero-based budgeting, but requires dedication and costs more.
Zeta
Joint Account Focused
Free
✓ Pros
- Joint bank accounts
- Built for couples
- Free to use
- Debit cards
✗ Cons
- • Requires opening new accounts
- • Limited budgeting
- • US only
- • Less flexible
Bottom Line: Good if you want a joint bank account, but limited as a budgeting tool.
Goodbudget
Envelope Budgeting
Free / $8/mo
✓ Pros
- Envelope method
- Sync between partners
- Debt tracking
- Simple approach
✗ Cons
- • Limited free tier (10 envelopes)
- • Dated interface
- • No bank sync in free
- • Manual entry
Bottom Line: Works for couples who love envelope budgeting, but feels outdated compared to modern apps.
Splitwise
Expense Splitting Only
Free / $4.99/mo
✓ Pros
- Great for splitting
- Large user base
- Simple IOUs
- Group expenses
✗ Cons
- • No budgeting features
- • No bank sync
- • Manual entry only
- • Not couples-focused
Bottom Line: Good for tracking who owes what, but doesn't help couples budget together.
Ready to Budget Together?
Join 50,000+ couples using Savida to manage money without the stress.