Budget Apps For Couples

The Top 9 Budget Apps For Couples In 2023

It’s no secret that money can be a source of conflict in relationships. Getting on the same financial page is an important element of every partnership, but you might be wondering how couples should begin. It’s a lot to take in, but there are budget apps for couples that can assist.

These budgeting apps can assist you in saving money, paying off debt, and accumulating wealth as a family. They function whether you combine all of your accounts or keep some separate. There’s an app for that if you want to get a better handle on your finances and improve your relationship. Let’s take a look at the best budget apps for couples now:

Best Budget Apps for Couples 2022

In this article, we’ll look at the best budget apps for couples. There are so many options that some apps are specifically made to be used together.

You can connect your accounts and even use instant messaging to ask each other questions about transactions and send emojis.

If you want to be completely transparent with your partner, budget apps are a great way to do it.

Not to worry, since we’ll be looking at various apps that allow you to choose the data you want to share with your spouse. You’ll appreciate these if you’re a planner.

1. Honeydue

Best Budget Apps for Couples 2022

Honeydue is a free budget app for couples at any stage of their relationship, according to the company.

You can keep track of all of your accounts, including your bank account, loans, and investments. Honeydue works with over 20,000 financial institutions across five countries.

One of our favorite features of Honeydue is that, while you may track your costs with your partner, you can also choose to keep some information private. This is ideal if you’re looking for a last-minute gift!

The software has an instant messaging function where you may ask your partner questions about transactions and give each other emojis.

  • iPhone and Android versions are available.

2. Zeta

The Top 9 Budget Apps For Couples In 2022
Best Budget Apps for Couples

Zeta is a free mobile and web app that allows you to merge your finances as a couple while also serving as a budgeting tool.

This app is designed to help you manage your money as a couple. As a result, budgeting as a couple is preferable to budgeting individually (although you can do it on your own).

You can either link all of your accounts to share with your spouse, or both of you can create separate accounts and choose what you want to share with them via the app.

Another app that provides bill alerts to help you avoid missing any payments is this one.

This app has a feature that allows you to split transactions with your partner to make it easier to pay each other back.

  • iPhone and Android versions are available.

3. HoneyFi

Best Budget Apps for Couples

HoneyFi is a good option if you want a full-service money app for couples. You begin by completing questions about your personal financial styles and how you and your partner manage money. Set up notifications to notify you of transactions so you don’t have to bother your partner for receipts.

HoneyFi also enables communication via the app. You can leave comments on transactions so that your partner can view the categorizations and ask questions in a non-confrontational manner.

  • iPhone and Android versions are available.

4. Splitwise

The Top 9 Budget Apps For Couples In 2022
Best Budget Apps for Couples 2022

You may prefer to keep your accounts separate and divide your spending. Splitwise makes it simple to keep track of bills and divide them in a way that works for you. It’s a convenient way to keep track of your joint costs and ensure that you’re both paying on time.

Similarly, you can ask your partner to send you money using an app like Venmo, or you can send payment using Venmo. However, even if you utilize these applications, you still need to communicate and talk about money on a regular basis.

  • iPhone and Android versions are available.

5. Digit

Best Budget Apps for Couples

With no effort on your part, Digit can help you save more money. To calculate how much money you can save, the app takes into account your predicted income, account balances, forthcoming bills, current spending, and personalized preferences as a couple.

The money is then transferred into your Digit savings account on a weekly or monthly basis, depending on your spending habits.

This takes the guessing out of how much money a couple may have put aside for vacations, debt payments, or anything else. Every three months that you save with Digit, you will receive a 0.5 percent bonus.

The software prevents overdrafts by sending funds to your checking account automatically, and if an overdraft happens, Digit will cover the fee.

You can withdraw money at any moment, and there are no account minimums. Digit is free for 30 days, after which it costs $5 per month.

  • iPhone and Android versions are available.

6. Personal Capital

The Top 9 Budget Apps For Couples In 2022
Best Budget Apps for Couples

Personal Capital is a wonderful option if you want a complete picture of your finances. It connects to your bank account, credit card account, and investment information to provide you with a complete picture of your financial situation.

This might be a terrific way for you and your partner to keep track of what’s going on and your general financial wellness. Your joint and separate accounts, as well as your separate retirement funds, are all visible in one place. Personal Capital provides you with a comprehensive perspective of your finances, allowing you to make long-term financial decisions. There’s even a free program that examines your retirement account expenses and suggests ways to invest more effectively.

  • iPhone and Android versions are available.

7. PocketGuard

Best Budget Apps for Couples 2022

The PocketGuard app is well-named, as it helps you avoid overspending.

All of your finances — credit cards, checking accounts, savings accounts, and loans — will need to be linked. You’ll be able to see them all in one place once they’re all linked.

PocketGuard will update your spending and categorize it for you automatically. Categorizing your money is quite beneficial since it allows you to understand where you may need to improve.

There’s a section called “In My Pocket” that shows you how much money you can save once you’ve paid all your bills.

This budget application is fantastic since it sets a budget for you based on your income, bills, and financial goals. This is helpful if you’re budgeting as a couple because it avoids any financial disputes.

It can even do the work for you by finding and negotiating for you on bills where you may save money.

  • iPhone and Android versions are available.

8. EveryDollar

The Top 9 Budget Apps For Couples In 2022
Best Budget Apps for Couples

EveryDollar is a wonderful approach for couples interested in zero-based budgeting to make sure that everyone in the family is on the same page and that “every dollar has a job,” as Dave Ramsey says. Dave Ramsey is the developer of Every Dollar.

You may use it to group all of your budget items and utilize it for goal planning to ensure that your money is working for you. Furthermore, if you feel you require additional financial assistance, you can use the “local providers” function to locate specialists in your region that can assist you in achieving your objectives.

  • iPhone and Android versions are available.

9. You Need A Budget 

Best Budget Apps for Couples

The You Need a Budget app (abbreviated as YNAB) is a popular budgeting tool.

You can use it for free for the first 34 days (random number! ), and they have a referral program where you can get an extra month for every person who signs up.

After that, it’s $11.99 per month or $84 per year if you pay in advance. Unless you’re a student, in which case you’ll get a free year on top of your 34-day trial.

The fact that YNAB focuses on forward planning is one of our favorite features. After all, if you don’t look at your budget until the end of the month, you’ve already spent that money.

In addition to your iPhone and Android, you can use YNAB on your iPad, Alexa, and Apple Watch.

You can link your bank accounts, receive real-time updates, and generate reports, among other things.

Best Budget Apps for Couples: Conclusion

It’s never been easier to manage your money with your partner!

There are so many wonderful budget apps for couples out there, and many of them are specifically designed to assist you as a couple, that you can’t go wrong.

Read over our explanations of each budget app once more and consider which one might be ideal for your family. Because you’ll be doing this as a team, it’s also crucial to obtain feedback from your partner.

What you want to get out of a budget app will determine which budgeting software you choose. Do you want your accounts to be able to be linked? Do you want to keep your own account and merely share parts of it with others?

You might want to start with a free version of an app—there’s no harm in testing them all out and finding the one that works best for you.

If you’re new to budgeting as a couple, it can be difficult, but these budget apps for couples make it simple and even entertaining.

To envision your life together, you should have common financial goals that you are working on as a pair. Using a budget app as a group will allow you to work on this as a unit and hold each other accountable.

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