Having trouble budgeting money with your spouse or partner? There’s a couple's budget app for that. Seriously! Find the best free budgeting apps for couples.

One of the biggest (if not, THE biggest) problems couples face when trying to manage their money is keeping each other aware of what’s being spent, and how much is left.

I can’t tell you how many times I’ve texted my husband with, “can you tell me what’s in our checking, please?” Or, with “we’re tight until your payday” which is code word for “spending lock-down” in our household.

couple flirting with each other, text overlay "5 best budgeting apps for couples with video tutorials"

Other common questions include:

  • Is the mortgage going to clear?
  • Is there enough money in there for your partner to go grocery shopping, and how much can they actually spend this time?

Did you know that you can make budgeting as a couple a bit less, annoying?

Yes – imagine your budget, spending plan, current checking amount, even update on your retirement dreams and how far away from them you (or aren’t) are available at the touch of EITHER of your fingertips, anytime you want it.

Finances synced between spouses’ phones…sounds about heavenly, right?

Best Budget Apps for Couples 2019

Let me share with you the best couples budget apps that will not only take out a lot of the nagging undertones of money-related texting, but will help you both see your bigger financial picture so that you can make better financial decisions.

And we'll start with my top pick.

Best Free Budget App for Couples #1: Zeta

Available on Android or iPhone (sign up through here, and get VIP status for FREE! It's automatically added).

With this finance app for couples, you both are 100% in control of how much of your finances gets shared with each other.

 

 

And since this fun-to-use expense tracker app for couples doesn’t assume you’ve combined finances, you have flexibility for multiple formats of couple’s money systems, such as tracking both personal and shared budget categories, and splitting transactions.

You may also be wondering by now how this app is different from other couple’s budgeting apps.

Like, in Zeta vs Honeydue app, where does Zeta come out on top?  

Well, I asked!

Here you go:

  • Access from Any Device: Zeta offers multi-platform support including both web and mobile apps. This is especially helpful for couples who have different usage patterns (for example, sitting down to review your finances together versus checking in on your balances on the go).
  • Couple's Goal Tracking: This app allows couples the ability to set and track goals.
  • Decide to Link Accounts, or NOT: Squirmish about linking your bank accounts? You can now choose to either input your financial info manually OR automatically.
  • Heads-Up When You're Close to Breaking Your Budget: You get a notification when you've spent 80% of your overall budget for the month (helloooo to useful heads up!)
  • Money Tasks Tracker: They also just introduced “Tasks”, which help you manage your money chores by reminding you about upcoming bills, highlighting transactions you should review, and keeping you and your partner in sync. Here's a screenshot: money tasks examples from Zeta couples budget app
  • Customize Based on How Your Couple's Finances Work: The app is customized, based on how you merge your finances (whether it's all together combined, totally separate, or somewhere in between).
  • Free Couple's Money Coaching: They offer free money coaching for couples.

Available on Android or iPhone.

Couples Budget Apps #2: Honeydue App Review

Available on Android, or iPhone.

When you first sign up for this personal finance app, you set up your profile (meaning, you get to choose a photo from your phone’s image library of yourself!). Then, you get to send an invite to your sweetie to join up with you.

Next, you can set up common bill reminders, such as the rent/mortgage, phone bill, electric bill, etc.couple with arms around each other, text overlay "5 best couple's budgeting apps (less money fights)"

While the app is free to use, you will be asked to tip them a monthly donation – you can choose yes, or no for this.

Some surprisingly helpful functions that make this a very couples-friendly budget app? Are the ability to chat about money (or whatever) within the app itself, plus the ability to make comments on transactions (there’s even emojis!).

Hello functionality!

Also, if you split expenses with your partner (meaning, you guys haven’t combined finances into the same account, or you’re keeping tabs on who pays what bills), then you’ll really enjoy the Split Expenses function. It allows you to track the split expenses and the app will remind you when it’s time to settle up with one another.

Available on Android, or iPhone.

Couple's Finance App #3: HoneyFI

Available on Android, or iPhone.

HoneyFI is all about helping you sync up you + your partner’s finances. You can do things like tag transactions (yours, mine, or ours), you can comment on various transactions that you make, and this app automatically categorizes your transactions, builds a custom household budget for you (you might want to sign up JUST to try this one out – to see what an app thinks your budget should be, based on your spending patterns), and tracks your spending.

Also, you can chat about money (or whatever else you two crazy kids want to!) through this money tracker app for couples.

But the big difference with this app? You can choose WHAT to share with partners as well.

Yes – you have the power to limit the visibility at the account and/or individual transaction level. That makes this couples budget app stand out!

How to edit visibility by:

  • Transactions: The person who added the account where a transaction occurred also has the power to mark a transaction within that account as private. To do this, you would tap the avatar next to whichever transaction you don’t want your partner to see.
  • Accounts: You can change the “shared” status of any account by clicking on Settings > Accounts > bank institution > name of the account you no longer want to share. Click on that account, then edit it to either Shared, Visible, Just Me, or Ignore.

I could certainly see this as a good function to use if you don’t want your partner to see what gifts you purchased them for their birthday or holiday, but it could be questionable if used to hide money spent from your spouse.

Just a word of caution on that, as financial infidelity and financial dishonesty in marriage is a real thing!

On the other hand, if your combined finances are set up so that you each have your own personal accounts, then this money tracking app for couples could be ideal for you guys because you can hide your individual accounts but still have access to their information on your own app.

Available on Android, or iPhone.

Couples Budget App #4: GoodBudget

Available on Android, or iPhone.

Do you do envelope budgeting so that you can plan your spending and not simply track it (or attempt to, but you don’t really want to carry around physical envelopes)?

Perfect – I’ve got the solution for you: an Envelope budgeting software app, that syncs with your partner’s phone!

Digital envelopes are set up for each area of your budget, and then an amount of money is put into each one. When someone spends money out of a specific envelope, both partners know.

The free version offers you:

  • 10 regular envelopes
  • 10 more envelopes
  • 1 account
  • 2 devices
  • 1 year of history

Regular Envelopes are Envelopes that you use to track regular expenses, like Rent, Groceries, Gas, etc. More Envelopes are designed to help you track things that recur on a more irregular basis, like Car Insurance that recurs every 6 months. More Envelopes are also good for saving for things, like Christmas Gifts, or saving to buy a new car.

And if you find out it’s your cup of tea? Then you can go paid at $6/month to unlock unlimited envelopes, unlimited accounts, unlimited accounts, and much more.

Unfortunately, your real life bank accounts do not automatically sync with each other (on neither the free nor the paid version). Instead, you can keep track of your account balances by manually uploading transactions as they happen, or by importing a recent activity file you download from your bank.

Available on Android, or iPhone.

Couples Budget Apps #5: Personal Capital

You’ll want to sign up for an account here —> Free Personal Capital Financial Management account

Personal Capital is actually way more than just about budgets, but they do have a budgeting tool functionality.

It’s not as robust as other couple’s budgeting apps, but you CAN use it with your spouse in a number of meaningful ways that could really add to the understanding of your overall financial picture.

Here are some of the cool things you can do with this app, as a couple, to help with couple’s money management:

  1. Joint Retirement Account Tracking: If you’re married, then you can add in your spouse’s retirement accounts as well as your own to help track your portfolios, your net worth, and if you’re on track to retire as a team. You won’t need to do a formal account linking (for married spouses), which is a benefit. What I like about this is, even though our work retirement accounts are in two separate companies, it feels like everything is under the same roof! Just like us.
  2. Figure Out Joint College and Retirement: You can actually figure out, quite quickly, whether the two of you are on track for your retirement dreams, and how much you need to be saving each month to meet your college savings goals. How cool is that?
  3. Create Hypothetical Income and Spending Scenarios: Have you ever daydreamed with your spouse, and wondered, if it was financially feasible? Like, what if one of you decided to quit and stay home with the kids? What if one of you wants to start a business? What if you want to purchase a certain home? You can play around with the spending + income scenarios as a team, and see what these hypothetical situations would look like for your finances (all in the context of how your decisions will impact your retirement). Hint: this would make an excellent tool to use in a money quickie (money meeting) with your spouse.

You’ll want to sign up for an account here —> Free Personal Capital Money Management account

Managing your money with a partner just got a WHOLE lot easier.

 

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Amanda L. Grossman is a Certified Financial Education Instructor, Plutus Foundation Grant Recipient, and founder of Frugal Confessions. Over the last 10 years, her money work helping people with how to save money and how to manage money has been featured in Kiplinger, Washington Post, U.S. News & World Report, Business Insider, LifeHacker, Woman's World, Woman's Day, ABC 13 Houston, Keybank, and more. Read more here.
8 replies
  1. Javier says:

    Hello, nice review! I am looking for an app that I can share wallets/accounts with some other persons but where I can limit them to only add transactions, so they could not edit or delete transactions.. this to prevent changes/frauds… If they need to edit or delete a transaction that they made, they would have to contact the owner to have it fixed… do you know any app where you can choose the permissions that you give to your guest/couple/wife ??? Thanks

    Reply
  2. KING JACK says:

    Hey,

    Thanks a lot for the detail info of these apps. I suppose to start using these before my wife makes me bankrupt :3

    Reply
  3. Martin says:

    Would be great idea to include an info if it works in US/Canada only. I am from Europe and most of these apps are not available in my appstore unfortunately 🙁

    Reply
    • Erin McCool says:

      Hi the vip access link for zeta doesn’t work. Please advise.

      Reply
      • Amanda L Grossman says:

        Hi Erin,

        Thanks for reaching out. I just tried each of the links, and it looks like they’re working to me. Is there something specific you’re talking about with how it’s not working? My understanding is you’ll be given VIP status once you sign up through my link.

        Reply
  4. Save on Transfers says:

    This is incredible. I knew a lot of couples having problems with financial. They can’t control spending money for there hobby and wants. Those apps you have mention are worth sharing for those couples who needed a break of spending.

    Reply
    • Amanda L Grossman says:

      Couple’s budgeting apps for the win! I’m a true believer that half the money communication problem in relationships is an imbalance in who checks the finances and who doesn’t…one of these best couple’s budget apps will definitely help with that problem.

      Reply

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