Best Expense Splitting Apps for Couples in 2026
Whether you split 50/50 or by income, these apps help couples track shared expenses without the awkward conversations.
Why couples need an expense tracker
Money is the number one source of conflict in relationships. An expense tracker removes the guesswork and keeps both partners on the same page about who paid for what and who owes whom.
1. Nudj
Our pickFree expense tracker for couples and friends
Pros
- Custom split percentages (50/50, 60/40, income based)
- Mutual confirmation keeps both partners honest
- Also works for friend groups and roommates
- Completely free with no ads
Cons
- No budgeting features
- No bank account linking
2. Honeydue
Built specifically for couples
Pros
- Bank account linking for shared visibility
- Budget tracking and spending categories
- Bill payment reminders
Cons
- Only works for couples, not friends
- Requires bank account access
- Limited expense splitting features
3. Splitwise
The popular expense splitter
Pros
- Large user base, most friends already have it
- Recurring expense support
- Multi-currency
Cons
- Freemium with ads and locked features
- No mutual confirmation
- Monthly subscription for full features
4. Zeta
Financial planning for couples
Pros
- Joint and individual account tracking
- Bill splitting and reminders
- Financial goal setting
Cons
- Focused on banking, not expense splitting
- Requires financial account access
- Overkill for simple expense tracking
Tips for tracking expenses as a couple
Getting started with expense tracking is easy. Sticking with it takes a few good habits:
- Decide on a split method (50/50, proportional, or hybrid) before you start tracking.
- Log expenses as they happen, not at the end of the month.
- Settle up regularly (weekly or monthly) so balances do not grow.
- Keep it positive: the goal is transparency, not scorekeeping.
Start tracking expenses with your partner
Set up a shared expense tracker in 30 seconds. Free, no bank connection required.
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