Best Budgeting Apps for Couples

Want to minimize your money woes with your honey? Then you need to check out these apps that make budgeting a breeze.

Managing money when you live alone is challenging enough. But sharing finances with a partner can be an absolute nightmare. In fact, the majority of young couples say that money is a major stressor in their relationships, according to Business Insider.

Between debt, financial imbalance, and trouble making ends meet, couples are finding it harder than ever to budget their shared resources. While the foundation of financial success as a team starts with an open and honest conversation, today’s technology makes it easy to collaborate on a budget and track your shared spending.

To maintain harmony in the home and a balanced budget, these are the best apps on the market.

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Inspired by the classic “envelope” budgeting system, Mvelopes is designed to make budgeting for individuals, couples, and families a breeze. Mvelopes has been around since 2001, and in the last twenty years, they claim to have helped over 750,000 people eliminate debt and improve their lives.

After signing up for Mvelopes, you’ll sit down with your partner to make a spending plan in less than 15 minutes. The app also offers a free masterclass in money management and debt elimination.

After a 30-day free trial, the app offers a Basic membership ($5.97 a month/$69 a year), a Premier membership ($9.97 a month/$99 a year), or a Plus membership ($19.97 a month/$199 a year).


If you and your partner are tired of manually updating a budget spreadsheet, then Tiller might just be the app for you. Rather than entering every debit and deposit into a spreadsheet, Tiller automatically updates either Google Sheets or Microsoft Excel.

This is a great, lightweight app that works with your existing budgeting system by making life easier. It takes the hassle out of managing multiple accounts and offers multiple templates to visualize your spending.

After a free 30-day trial, Tiller costs $79 a year (or $6.58 a month). If you spend more than an hour each month carefully entering your and your spouse’s spending data into a spreadsheet, then Tiller is definitely worth it.

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Financial guru Dave Ramsey wants you to know that every dollar counts. EveryDollar from Ramsey Solutions is a budgeting app that focuses on financial literacy and maximizing your spending power.

“Did you know that having a budget isn’t about tying yourself down? It’s about having a flexible plan for how you want to spend your money (before your money spends itself),” the app’s website explains.

EveryDollar is quick and easy to set up, plus it is free to use the basic version. However, the premium features can only be accessed by Ramsey+ members. Membership fees range from $54.99 for three months to $129.99 for a year. The membership offers access to EveryDollar and FinancialPeace as well as video courses, audiobooks, and one-on-one coaching.

If you need to pay off debt and don’t know where to start, this could be a great option. In addition to the free version of the app, Ramsey+ also offers a free 14-day trial to check out all the premium content.


If you or your partner struggles with overspending, then check out PocketGuard. As with other apps on this list, it tracks all of your accounts in one dashboard. However, it also sorts your spending into categories so you can see how much you’ve really been spending on take-out each month.

PocketGuard also offers practical suggestions about lowering your bills and looks for opportunities to negotiate better rates. In addition, you can set up automatic savings to help meet your short-term and long-term goals. The app is free to use, but a paid version offers additional features for $3.99 a month or $34.99 a year.

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One major plus in Honeydue’s column is that the app is free. Although the developers make it easy to tip them on a monthly basis for the features offered by the app, it is entirely free to use.

Honeydue is built specifically for couples. It promises to help partners argue less and save more. You can track all of your accounts in one place and coordinate paying bills from one interface. One feature that users like is the chat function, which allows you to have a conversation about a specific transaction.

The company now offers Joint Cash, a shared spending account with paired Visa debit cards. While this feature makes Honeydue most appealing to couples who are combining finances for the first time, any partners could benefit from more transparency in spending.


Mint is a very popular personal finance app offered by Intuit, the company behind TurboTax and QuickBooks. One of the app’s best features is the way it helps you visualize your spending and savings habits. Mint also offers personalized insights and suggestions to help you reach your goals. Best of all, the app is simple to use, even if you are completely new to budgeting.

Keep in mind that, although Mint does not charge a subscription fee, the app does earn money off its user base. Intuit gets a kickback from the financial offers it recommends to you, including credit cards. If you’d rather not receive those offers, then Mint might not be the right app for your budgeting needs.

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Personal Capital

Offered by Empower, Personal Capital focuses on goal-based savings. If you and your partner are trying to grow your net worth together or save for retirement, then Personal Capital can be a great tool to help you do that.

As with many finance apps, Personal Capital links all of your accounts (including retirement savings) in one dashboard so that you can see the big picture. Once you create an account, you’ll have the chance for a free chat with a financial advisor to help you establish a savings plan.

Although the app is free to use, you can add on professional wealth management services from Empower.

You Need a Budget

You Need a Budget, or YNAB, is ideal for couples trying to pay down debt. The app promises to help you “gain total control of your money.” Not only does YNAB track your spending, but it also educates you on how to set a budget that works.

If you and your partner find yourselves struggling to pay bills at the end of the money or constantly wondering where your money has gone, then this app could be the solution for you. “Access to real-time information, from any device, anytime, makes it drop-dead simple to share finances with a partner (and not accidentally overspend at Target),” YNAB promises.

The company is so confident in its ability to help people save money that YNAB is free for the first 34 days. After that, YNAB becomes one of the pricier budgeting apps for couples at $14.99 a month or $98.99 a year. The annual price is a considerable discount, however, so if you decide to stick with the app after the trial period, it’s a good idea to pay for the year upfront.

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Simplifi by Quicken is one of the most popular overall budgeting apps on the market. Although it is designed for individuals, it’s easily adapted for couples to manage their joint finances. Simplifi makes it easy to track spending, predict future cash flow, and hit savings goals.

Although it is a subscription-based app, Simplifi won’t break the bank. It costs $47.99 a year or $5.99 a month, and you can try it for free to see if you like it. You can use it on your Android or iOS phone as well as on your computer. Note that if you already use Quicken for bookkeeping, you won’t be able to pull data from it.


Want to avoid arguments about who pays the cable bill this month? Splitwise promises less stress when sharing expenses. You can track how much each person pays for household bills, travel expenses, dining out, and any other area where you and your partner agree to split the costs.

The app is great for couples, but it also works well if you frequently share expenses with family or friends. You can create separate profiles to manage finances in all of your relationships.

In the PRO version, you can also scan receipts rather than enter details manually. In addition, you can generate reports and graphs as well as convert currency–helpful if you want to manage a trip abroad. The free version of Splitwise is ad-supported, but the free version will cost just $3 a month.

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Monarch gets top marks for its clean, easy-to-use interface. The app provides a simple way to track spending across all of your accounts, and reviewers note that they have fewer problems with slow syncing compared to other apps. The robust visualization options will let you and your partner check your financial health with ease.

Monarch encourages long-term goal setting with personalized advice from experts. In addition to bank accounts, the app also syncs with your investment portfolio so that you can see your net worth at a glance.

After a free seven-day trial, Monarch will cost you $9.99 a month or $89.99 a year. The app makes it easy to add another person to your account with a separate login.

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