20+ Best budget app for couples free

Managing finances together is a crucial factor in helping couples build a solid foundation for the future. Using the right budgeting apps can effectively support tracking expenses, planning savings, and achieving shared financial goals. Below are some of the best free budget apps for couples.

Best budget app for couples free

1. Honeydue

Honeydue is a budgeting app specifically designed for couples, allowing them to track income, expenses, and bills. The built-in chat feature makes it easy for partners to discuss finances. Available for both iOS and Android, the app helps couples manage their money together while maintaining necessary privacy.

Key Features of Honeydue

Track Income & Expenses – Easily manage shared finances.
Bank Account Integration – Automatically sync transactions.
Joint Budgeting – Control spending across different categories.
Bill Reminders – Avoid late payments.
Flexible Financial Sharing – Decide what information to share with your partner.
In-App Chat – Discuss finances directly within the app.
High Security – Encrypted data for safe usage.

2. GoodBudget

GoodBudget uses an envelope-based system to divide the budget into different categories, helping couples plan and maintain disciplined spending. This app does not require linking bank accounts, ensuring flexibility and security in financial management.

Key Features of GoodBudget

Envelope Budgeting Method – Allocate money into categories like dining, bills, etc.
Shared Budgeting – Both partners can track and manage finances together.
Income & Expense Tracking – Record and monitor spending easily.
Multi-Device Syncing – Update data across mobile and web.
Savings Planning – Helps couples set long-term financial goals.
No Bank Account Linking Required – Ensures better privacy protection.

3. YNAB (You Need A Budget)

YNAB helps couples plan their finances flexibly, reduce debt, and optimize savings. Instead of just tracking expenses, YNAB focuses on directing cash flow, enabling both partners to build a sustainable financial future together.

Key Features of YNAB

Proactive Budgeting – Assign every dollar to a specific category.
Bank Account Syncing – Automatically updates transactions.
Shared Budgeting – Both partners can track and manage finances together.
Expense & Financial Goal Tracking – Supports savings and debt management.
Detailed Financial Reports – Charts and analysis of income and spending.
Multi-Device Syncing – Real-time budget updates.
High Security – Encrypted data to protect personal information.

4. Money Lover

Money Lover offers a range of useful features, including transaction history, bill reminders, and spending forecasts. The app is ideal for couples who are new to joint financial management as well as those who want tighter control over their daily budget.

Key Features of Money Lover

Income & Expense Tracking – Easily record and manage finances.
Joint Budgeting – Prevents overspending and enhances savings.
Shared Wallets – Manage shared budgets and expenses together.
Bill Reminders – Avoid missing important payments.
Detailed Financial Reports – Visual spending analysis with charts.
Multi-Platform Support – Sync data across mobile, web, and desktop.
High Security – Ensures the safety of personal financial data.

5. Splitwise

Splitwise is an app that helps couples easily track and share expenses fairly, avoiding confusion in daily payments. It helps prevent misunderstandings about money and ensures that both partners contribute equally to shared expenses.

Key Features of Splitwise

Transparent Cost Sharing – Automatically calculates and divides expenses between two people.
Debt & Reimbursement Tracking – Records who paid and who needs to settle up.
Multi-Device Syncing – Both partners can track expenses anytime, anywhere.
Multiple Currency Support – Ideal for couples who travel frequently.
Payment Reminders – Avoid forgetting debts or late payments.
Integration with PayPal & Venmo – Make payments directly through the app.
Detailed Financial Reports – Expense tracking and summaries for better financial control.

6. Zeta

Zeta offers joint savings accounts, bill reminders, and family finance management tools. The app helps couples manage budgets, track expenses, and save transparently, allowing them to build a solid financial foundation together.

Key Features of Zeta

Income & Expense Tracking – Easily manage shared finances.
Bank Account Syncing – Automatically updates transactions.
Joint Budgeting – Monitor and control spending across different categories.
Flexible Financial Sharing – Choose what information to share with your partner.
Bill & Payment Reminders – Prevent late payments on important bills.
Savings Goals – Set joint financial plans for goals like buying a home or traveling.
In-App Chat – Discuss finances directly within the platform.
High Security – Encrypted data ensures safety and privacy.

7. Mint

Mint is a comprehensive financial management app that automatically tracks spending and alerts users when they exceed their budget. While it is not specifically designed for couples like Zeta or Splitwise, Mint is still highly useful for partners who want to monitor both personal and shared finances on a single platform.

Key Features of Mint

Bank Account Syncing – Automatically updates transactions.
Income & Expense Tracking – Easily manage shared finances.
Joint Budgeting – Organize and control spending by category.
Bill & Payment Reminders – Avoid missing important payments.
Detailed Financial Reports – Visual spending analysis with charts.
Credit Score Monitoring – Helps manage and improve financial health.
Unusual Transaction Alerts – Ensures financial security.

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8. Venmo

Venmo is more than just a payment app, it allows couples to easily transfer money, share expenses, and pay joint bills. If you frequently split costs for dining, rent, shopping, or travel, Venmo simplifies payments without the hassle of cash or bank transfers.

Key Features of Venmo

Fast Money Transfers – Send money to your partner in seconds.
Easy Expense Sharing – Split costs for meals, bills, and trips without cash.
Notes & Emojis – Personalize transactions with messages and emojis.
Bank & Card Integration – Link accounts for seamless transactions.
Venmo Debit Card – Make purchases easily with a Venmo card.
In-Store & Online Payments – Supports payments across various platforms.
High Security – Encrypted data and two-factor authentication.

9. EveryDollar

EveryDollar helps couples track every dollar spent and easily optimize their budget. If you’re looking for a tool to help manage finances more effectively as a couple, EveryDollar could be a great choice.

Key Features of EveryDollar

Simple Budgeting – Allocate every dollar to a specific category.
Income & Expense Tracking – Easily manage shared finances.
Shared Budgeting – Both partners can track and control spending.
Bill & Payment Reminders – Avoid missing important payments.
Detailed Financial Reports – Charts and analysis to optimize budgeting.
Bank Account Syncing (Paid Version Only) – Automatically updates transactions.
Savings Goal Support – Helps couples plan for long-term financial goals.

10. Mvelopes

Mvelopes uses a digital “envelope” system to help couples allocate income into spending categories and track actual expenses. The app syncs financial data and provides detailed reports, making financial management more efficient. For couples, Mvelopes is a useful tool for transparent and organized financial planning.

Key Features of Mvelopes

Envelope-Based Budgeting – Allocate funds into specific spending categories.
Income & Expense Tracking – Easily manage shared finances.
Shared Budgeting – Both partners can monitor and control spending.
Bank Account Syncing – Automatically updates transactions.
Detailed Financial Reports – Visual charts analyzing income and spending.
Savings Goal Support – Helps couples plan for long-term financial goals.
Multi-Platform Support – Syncs across mobile and web.

11. Money Manager

Money Manager is a popular financial management app that helps users track income, expenses, set budgets, and manage assets. For couples, Money Manager can be a useful tool for maintaining financial transparency and efficiency.

Key Features of Money Manager

Income & Expense Tracking – Easily record and control finances.
Joint Budgeting – Manage spending across specific categories.
Shared Finances – Both partners can monitor and manage money together.
Detailed Financial Reports – Visual charts and spending statistics.
Multi-Currency Support – Ideal for couples who travel frequently.
High Security – Password and PIN protection for personal data.
Multi-Device Syncing – Use across mobile and desktop platforms.

12. Twine

Twine is a financial app designed specifically for couples, allowing them to manage and invest money together to achieve shared financial goals. This app is particularly useful for couples planning major milestones like buying a house, getting married, or traveling.

Key Features of Twine

Joint Savings & Investments – Create savings or investment accounts to grow assets.
Financial Goal Setting – Plan for weddings, home purchases, vacations, etc.
Flexible Contributions – Each person can contribute individually without a shared account.
Transparent Tracking – Clearly displays each person’s contributions and savings progress.
User-Friendly Interface – Visual charts make financial management simple.

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13. Coinkeeper

Coinkeeper is a smart expense management app that helps couples track their shared finances transparently and in an organized manner. With an intuitive interface, the app makes it easy to control budgets, monitor income and expenses, and set savings goals.

Key Features of Coinkeeper

Joint Budgeting – Manage spending across categories like dining, shopping, entertainment, etc.
Easy Expense Tracking – Visual interface for monitoring remaining funds.
Shared Account Access – Both partners can track and manage finances together.
Bank & E-Wallet Integration – Automatically syncs transactions.
Savings Goal Setting – Helps plan for financial goals like buying a house, traveling, or weddings.
Detailed Reports & Charts – Analyzes income and spending for better financial optimization.
Multi-Device Syncing – Access shared finances anytime, anywhere.

14. MoneyDance

MoneyDance is a powerful financial management app suitable for both individuals and couples who want to track income, expenses, budgets, and joint investments effectively.

Key Features of MoneyDance

Bank Account Syncing – Automatically updates transactions and monitors spending.
Joint Budgeting – Easily manage monthly budgets.
Expense & Investment Tracking – Helps control finances and investments efficiently.
Automated Bill Payments – Supports reminders and recurring payments.
Detailed Financial Reports – Charts and analytics for income and spending insights.
Secure Multi-Device Access – Encrypted access from multiple devices for enhanced security.

15. Cozy

Cozy is an app that helps couples organize their shared lives, from managing finances and household tasks to storing memories and planning together.

Key Features of Cozy

Shared Financial Management – Easily track expenses and share budgets.
To-Do Lists – Assign tasks and set reminders for shared responsibilities.
Shared Calendar – Plan events, anniversaries, and date nights.
Shared Storage – Save photos, notes, and important documents.
Reminders & Notifications – Alerts for bills, tasks, and events.
User-Friendly & High Security – Encrypted data for safe use.

16. HomeBudget

HomeBudget is an app that helps couples track income, expenses, budgets, and manage household finances effectively. It supports data sharing across multiple devices, allowing both partners to stay in control of their finances together.

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Key Features of HomeBudget

Income & Expense Tracking – Efficient financial management.
Joint Budgeting – Control spending across different categories.
Shared Finances with a Partner – Syncs data across multiple devices.
Bill Management – Reminders for timely payments.
Detailed Reports & Charts – Analyze income and expenses.
Multiple Account Support – Track bank accounts, cash, and credit cards.

17. CountAbout

CountAbout is a powerful expense tracking and budgeting app, ideal for couples who want to manage their shared finances transparently and efficiently. The app supports bank account synchronization, making it easy to monitor income, expenses, and savings.

Key Features of CountAbout

Bank Account Synchronization – Automatically imports transactions from banks & credit cards.
Joint Budgeting – Tracks expenses by category for better financial control.
Shared Account Access – Both partners can track and manage joint expenses.
Bill & Recurring Transaction Tracking – Helps plan and automate bill payments.
Customizable Expense Categories – Personalize budgets according to your needs.
Detailed Financial Reports – Charts and analytics optimize income and spending.
Ad-Free Experience – Seamless navigation without interruptions.

18. Tiller Money

Tiller Money is a powerful financial tool that helps couples track income, expenses, and budgets by automatically updating financial data into Google Sheets or Excel. It’s an ideal choice for those who want a flexible and customizable approach to managing shared finances.

Key Features of Tiller Money

Automatic Bank Account Updates – Syncs with banks and credit cards, feeding transactions into spreadsheets.
Joint Budgeting – Monitors income, tracks expenses by category, and sets budget limits.
Shared Financial Management – Both partners can manage and track finances transparently.
Customizable Spreadsheets – Personalized reports and expense categories tailored to your needs.
Bill & Recurring Payment Tracking – Helps manage payments and avoid late fees.
Detailed Financial Reports – Visualizes data through charts and summaries.
Ad-Free & High Security – Encrypted data for privacy without ad interruptions.

19. Simplifi by Quicken

Simplifi by Quicken is an intelligent financial management app that helps couples track income, expenses, and financial planning with ease. With an intuitive interface and automation features, the app makes budgeting and saving more efficient.

Key Features of Simplifi by Quicken

Bank & Credit Card Syncing – Automatically updates transactions.
Joint Budgeting – Helps couples manage expenses by category.
Income & Expense Tracking – Provides a comprehensive financial overview.
Shared Financial Management – Both partners can monitor and control the budget together.
Bill & Payment Tracking – Reminders and scheduling for timely payments.
Detailed Financial Reports – Charts and analytics to optimize income and expenses.
Savings Goals – Supports financial planning for major milestones like buying a home, traveling, or weddings.

20. PocketGuard

PocketGuard helps couples manage their budget by analyzing cash flow and suggesting effective ways to save. Designed specifically for couples, it allows tracking of bank accounts, credit cards, and joint loans.

Key Features of PocketGuard

Bank Account Synchronization: Automatically connects to bank accounts, credit cards, and loans.
Income & Expense Tracking: Displays real-time cash flow.
Budgeting: Helps set spending limits and manage finances efficiently.
“In My Pocket” Feature: Automatically calculates the remaining balance after deducting fixed expenses.
Bill Monitoring: Tracks and reminds about recurring payments.
Expense Analysis: Provides financial reports and spending trends.
High Security: Uses 256-bit SSL encryption to protect personal information.

The bottom line

Choosing the right app depends on each couple’s financial needs and management habits. Download and explore different options to find the best tool for your shared financial journey.