The 11 Best Budgeting Apps For Couples (Will They Help You?)

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Are you in a relationship and looking for the best budgeting apps?

These budgeting apps can help keep track of your spending, income, and savings all in one place. Plus they’re easy to use with an intuitive interface that is simple enough for even someone new to computers or technology! And did we mention that these are FREE!?

You deserve it! Get started today on keeping up with your finances by downloading these fantastic free budgeting apps!

The best budgeting apps for couples control your finances and help you achieve goals. Many of these apps include categories to categorize expenses, create budgets, make lists or even connect with others who want to budget.

Many couples find that budgeting apps help them control their finances more easily and create a positive relationship between the couple. Many of these apps are free for download with some others costing a few dollars.

How Can A Couples Budgeting App Help Your Finances?

A couples budgeting app can help our finances in a few ways: it helps us to save and prioritize what we really need and makes sure we don’t waste money on things we don’t. It also helps us to better learn about our spending habits and allows us to have a more rewarding experience when saving money.

In order to make the best decisions, couples must have a complete understanding of their finances. That’s where budgeting apps come in handy. These apps will help you understand your financial situation with ease and also save time by keeping track of all your income and expenses through one app for each couple member.

It is easy to use these applications because they are simple enough that anyone can do it!

A couples budgeting app is a fantastic option for partners to keep track of spending habits and investments. It provides an excellent way to connect all bank accounts, which helps significant others know how much they are each contributing towards the family’s finances. With this information in hand, it’s easier for them to determine what purchases are necessary or luxuries that can be cut down on.

What’s The Difference Between A Couple’s Budgeting App and Accounting Software?

A couples’ budgeting app is designed to help couples plan, track, and organize their finances. Accounting software is used by accountants for the purpose of handling clients’ financial records.

When planning a budgeting app for couples, it’s important to make sure that you’re looking at something that has multi-device support. This is because your partner will probably need access on their phone and computer when they want to see what’s going on with their finances. You’ll also want to check if the software syncs data between devices or has other features like sharing information from one device onto another without having any lag time in between them switching platforms.

A couples budgeting app is different from accounting software in that it focuses on the graphical representation of spending patterns. This helps individuals to see when they are overspending and what can be changed accordingly.

This often leads to better financial planning for both partners, which produces a more effective result than just using an accounting tool alone.

What Features Should We Look For In A Free Budget App For Couples?

The features that should be looked for in a free budget app are the ability to create budgets, view data from past budgets, and change your budget. The app should also offer the ability to create budgets for different categories, such as food and entertainment. This app should also provide a way to track expenses, which can be helpful in keeping on top of spending.

As a couple, it’s hard to keep all your financial information in one place. Budgeting apps for couples are useful because they can sync their budget data with an app and allow them to share the same budget while still controlling what each person is allowed access to.

The best free mobile apps offer automatic syncing of budgets, easy-to-read charts on actual spending habits over time, and accessible options that make saving easier through reward programs or other monetary incentives.

In addition to this, some of the best budgeting apps for couples will allow you to customize your income and expense categories. This can be done by using a simple interface or importing from any other app on your device.

At the same time, it’s important that all these features are free as well because they’re going to save you money in the long run!

The first thing to consider when looking for an app is whether it allows you to enter account, payee, and institution details. It’s always nice if the budgeting apps graphically show your spending patterns so that you can see your progress over time.

Regardless of whether you’re single or in a relationship, managing your money can be tough. Fortunately, there are some great apps that allow users to track their expenses and budget with ease.

To find the best app for couples on a budget, consider what features it offers at its minimum level: account information (including payee name), institution details (like bank codes), and an ability to enter transactions manually so you don’t have to rely on automatic data entry through the app itself.

While free budget apps do not come with a lot of bells and whistles, they are still necessary for couples. Many will use the app to log their spending and to save receipts/emails that can be used in case of disputes or just to keep track of important information.

The cost is one factor when choosing an app: if you’re looking for something cheap, then there’s no reason why consider using an online service over the software on your computer or smartphone because it saves you more money.

If you’re looking for a more robust app with cloud storage, then the features that come with it are important to consider. At the same time, if you want offline-only budgeting software and don’t care about storing your data on company servers or in online services like Google Drive or Dropbox, then look for apps that make this easy because not all of them do.

There are a number of free budgeting apps for couples available, but it is important to find one that offers the features you need.

Pricing should be considered as well because different budgets have different needs and affordability levels. For instance, a couple may want an app that includes food tracking or meal planning tools without paying more than $1 per month; whereas another pair may consider those features worth their monthly cost of $3 dollars each.

When it comes to budgeting apps, couples should look for one that allows them to enter account and payee details as well as institution details. They also need a feature that is easy to use and has the ability to share data with others easily. At least two or three options would be ideal because this will allow users to choose what works best for them individually without having too much work on their hands.

Are Free Couples Budgeting Apps Safe? Are Budgeting Apps For Couples Safe?

All budgeting apps use 128-bit SSL encryption and monitoring through third-party sites. Furthermore, most apps have Touch ID or 2-factor authentication. This high level of security is very important for personal data and money because it decreases the risk of identity theft or hacking.

It’s worth checking the terms and conditions of your account or giving your provider a call, just to be sure.

Be sure to confirm that your accounts are connected properly before starting with an app. This is to avoid any issues down the road.

With the rising amount of apps available, it is important to do your own research before downloading any app. There are many types of apps that can help you save money and stay organized, but they may not be worth the risk. To find out if an app is safe for you and your significant other, you should always do your own research.

The key is to find a safe app that will let you work together on your finances without compromising privacy or safety.

The 11 Best Budgeting Apps For Couples

The best budgeting apps for couples can help the couple communicate about their finances and make sure they stay on track. These finance management apps give couples a simple way to keep up with personal spending, handle debt, and save money.

Personal finance is often one of those topics that feels like it should be easier than it actually is. There’s just so much stuff you need to know! 

But there are some basic financial principles everyone should follow, no matter your income or spending habits. It may seem overwhelming to start with, but once you get the hang of things, personal finance becomes more manageable — even if you’re not an expert on money matters yourself.

There are tons of great personal finance tools out there, but here are 10 of our favorites for managing a couple’s finances together. They’re all completely free to use with absolutely zero strings attached. 

1. You Need a Budget

You probably already know about You Need A Budget (YNAB), which was named by Time Magazine in 2016 as one of the “Best Tools For Managing Your Finances.” The app has been around since 2006, and its approachable interface makes it easy to understand how to track your spending. YNAB uses categories like Groceries, Entertainment, Health & Wellness, Home, and Savings, and allows users to create custom budgets based on what they want to accomplish. 

The tool also offers useful features like bill reminders, auto-payments, and automatic savings goals. The mobile app includes a barcode scanner, and the desktop version lets you connect multiple bank accounts. 

YNAB comes in three different versions depending on whether you’re new to personal finance, intermediate, or advanced. All three cost $12 per month after a 14-day free trial period.

2. Mint

Mint is another popular option for keeping track of your finances. Like other tools on this list, it provides you with detailed reports about where your money goes each month. Its standout feature, though, is its intuitive design. With Mint, you can set up customized budgets based on your preferences, and see exactly how close you are to meeting them.

 If you find yourself struggling to stick to your budgeting plans, the app also offers helpful tips and tricks to help you stay disciplined. 

You can link credit cards, checking accounts, investment portfolios, and loans directly from Mint. In addition to helping you save more, the app will remind you when bills are due and offer suggestions for increasing your monthly cash flow. And because Mint integrates with other services such as PayPal and Zelle, you can transfer funds between accounts without ever writing checks. 

If you’d rather pay using cash instead of plastic, Mint has a handy ATM locator function to help you find nearby ATMs. The app costs $3 per month for individual accounts and $5 per month for family accounts.

3. QuickBooks Self-Employed

QuickBooks Self-employed is designed specifically for freelancers who work from home. While it doesn’t include every single detail required to run a business, it does provide plenty of information about profit and loss statements, taxes, insurance coverage, and other important considerations. 

When setting up your profile, you’ll fill out details about your background, education, skills, experience, employment history, and more. 

Once you’ve got everything squared away, the app displays a summary of your earnings and expenses over time. This is particularly helpful if you want to keep tabs on how you’re doing throughout the year. You can also manually enter transactions to better reflect your actual spending. 

QuickBooks Self-employed offers a robust search engine to make finding relevant content quick and simple. Users can also send invoices, accept payments through Square Cash and WePay, and file tax returns online. 

The app costs free to download, but you’ll need to purchase a premium subscription ($20 per year) to access additional features like unlimited expense tracking.

4. Tally 

Tally is ideal for people who spend most of their time shopping at specific stores or looking for deals. Once you sign up, you can easily add products to your basket and check out later. Then, each item automatically gets added to your cart. 

If you shop frequently at any given store, you can simply log into your account, type in the name of the retailer, and then select items to add to your cart. 

When it’s time to checkout, you don’t need to worry about remembering shipping addresses or payment methods. That’s because Tally syncs your card data with Apple Pay, Google Pay, and Samsung Pay. You can also choose to receive receipts via email, text message, or Slack. 

Plus, you can view detailed reports about your spending, including purchases made during sales events. 

Tally’s analytics show you how many times you visited a certain site, how long you spent browsing, and how much you spent overall. The service is also available on desktop and mobile devices, making it accessible wherever you go. 

One thing to note is that if you’re interested in saving money while shopping, you might want to try a less expensive alternative like Honey or Ibotta. Both platforms allow you to earn discounts on groceries, household supplies, and makeup from retailers like Target, Walmart, Sephora, Ulta, CVS, Amazon, and others. 

While Tally’s pricing model isn’t clear, you can currently test drive the platform for free. After that expires, you’ll have to decide if you want to continue paying for a premium plan or switch to a cheaper subscription. To learn more, head to the official website. 

5. Mvelopes

Whether you’re trying to figure out how to meet your partner’s unexpected emergency expenses, take care of your own health insurance deductible, or fund retirement, Mvelopes helps you come up with a plan. The app gives you templates to build a personalized budget, and you can adjust settings to prioritize different areas of your life. 

You can also share your plans with other members of your household. 

To help you stay on top of your goals, Mvelopes includes daily goal reminders. It also tracks your progress towards your plan, allowing you to visualize your journey. You can also connect your Bank of America account to streamline your banking processes. 

The app supports debit cards, credit cards, and gift cards. You can even integrate your Mvelopes with existing apps like Uber, Venmo, Instacart, and Lyft. Mvelopes is free to download, but you’ll need to upgrade to Pro to sync your Chase bank account, set recurring payments, and do bulk transfers. Subscriptions range from $15-$25 per month depending on your needs. 

6. Digit

Digit takes a unique approach to personal finance planning. Rather than focusing on numbers, the app focuses on relationships. It helps you identify the root causes behind why you’re tempted to overspend, and offers strategies to deal with temptation. 

Using the app involves filling out several questions about your current situation, and Digit generates recommendations for how to improve your spending habits. For example, Digit suggests you consider switching to digital subscriptions, starting a side hustle, creating a spending plan, or cutting back on alcohol consumption. 

In total, the app contains 30+ sessions covering various aspects of personal finance. Each session lasts roughly 20 minutes, and you can repeat them as often as necessary until you feel confident about sticking to your plan. 

Like other apps on this list, Digit is free to download and try. However, if you enjoy it, you can subscribe to Premium for $30 per month or Personal for $60 per month. Digit also charges a 5 percent fee on any paid plan renewals. 

7. Honeydue

Honeydue allows users to create separate financial profiles so they can both see their individual spending patterns as well as keep track of joint income and expenses. The app also includes customizable categories such as “Luxury Items,” “Fun Stuff” and “Health & Fitness.” 

You can then add items like gym memberships, dining experiences and even plane tickets directly into specific budgets. What makes Honeydue stand above others is its ability to let you set monthly goals and stick to them by offering reminders throughout the year. 

It’s free to download but costs $9.99 per month after the 14-day trial period ends. Users will receive access to premium features including unlimited itemized reports, automated savings tracking and goal setting if they pay for a subscription plan. 

8. Splittable Family Budget

Splittable lets you enter multiple incomes and bills in one place while still being able to view everything separately. This means you can easily split down different lines to find what you want without having to switch windows every time you need to look at something else. Plus, Splitble has built-in expense management capabilities that allow users to quickly categorize transactions based on type of purchase, making it easy to identify recurring payments and bill due dates. 

While Splittle does offer several payment solutions, many prefer to use bank transfers instead because it’s free and easy, plus you never have to deal with late fees. Another perk? When splitting bills between spouses, Splittle automatically divides total balances equally within preset ranges. 

In addition, if either person pays too little, Splittle offers helpful suggestions about ways to increase contributions. There is no cost associated with downloading Splittables app unless you decide to sign up for a paid monthly account ($7.99/mo). 

9. Settle Up 

If you live with roommates, friends or family, SettleUp could be the solution for you. Its main focus is helping families manage common living situations by creating groups called “settlements.” Each settlement consists of one primary member who handles billing and shared utilities and another member responsible for maintenance issues. 

A few examples include student settlements, roommate disputes, pet sitters, housekeepers and lawn care companies. 

For instance, say you rent your apartment through Airbnb and you’ve got a dispute with your host over cleaning. You can start a settlement group called “Airbnb Disputants Against Dirty Hosts.” Then, invite any Airbnb hosts whose reviews mention problems to join your settlement. Once settled, you can assign tasks and responsibilities to everyone involved, keeping communication clear and organized. 

As far as pricing is concerned, the first three months are free, followed by a flat rate of $30 per month thereafter. If you pay annually, it costs $59.98 instead of $40 per month. To learn more about SettleUp, check out their blog post with tips and tricks on getting started. 

10. Expensify

Expense tracking software made especially for millennials, Expensify helps you stay on top of your personal finance. Set up various types of budgets depending on whether you’re saving for a vacation, buying a car or paying off debt. After inputting purchases via barcode scanner or manually entering information, the app analyzes transaction data and recommends budget changes accordingly. 

Additionally, since Expensify uses direct deposit, employers won’t ever miss a paycheck again. And unlike other similar services, Expensify doesn’t charge extra service fees, meaning you only pay for actual expenses incurred. Monthly plans range from $12.95-$47.50, depending on the number of employees covered. Payroll processing starts at $15 per week. 

11. EveryDollar 

As someone who prefers writing checks rather than swiping debit cards, I always struggled to balance my own checkbooks. That’s why I was thrilled to discover EveryDollar. Not only did this digital banking platform enable me to maintain control over my checking account, but it also helped me save money along the way by identifying potential overdraft charges before they happened. 

Best yet, EveryDollar integrates seamlessly with, so I wasn’t required to change anything to continue using the service. The company offers a variety of plans starting with a free five-user account. 

From there, prices vary according to the number of users, frequency of deposits and average daily balance held per user. One thing worth noting is that EveryDollar prides itself on providing support 24 hours a day, seven days a week. So, if you happen to run across a tech issue during business hours, feel free to reach out for assistance. 

Also, customers will receive additional perks for signing up yearly versus opting for annual plans. These perks include discounts on insurance products, travel packages and gift cards. 

While these online platforms may not be perfect fits for everyone, hopefully, one of these apps will give you a leg up towards becoming better financially prepared for life ahead. 


The best free budgeting apps for couples create an opportunity for a couple to work together,  budgeting and recognizing areas of spending that can help them forward towards a better financial future.

Hannah R

Hi, my name is Hannah and I'm the founder of Barefoot Budgeting. This site is dedicated to one thing... helping you! Whether it is making a budget, saving money using DIY projects, or even saving by helping you with my favorite recipes I will cover it all! If it helps you save money in your life I want to help!

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