Best shared expense tracker apps for couples in India

Splitkaro

That’s us

Joint, split and personal money in one couple group

Tag each expense as joint, split or personal; personal stays private
Reads your bank and UPI SMS on the device, so most spends file themselves, on Android, and on iPhone through Apple’s Shortcuts app
Rent, EMIs and subscriptions set once and logged every month
One summary across joint, split and personal, for each of you and for both
A chat inside the group, so the “what was this?” sits next to the expense
Works offline, syncing when you are back online
Free unlimited expenses, and no ads even on the free plan

No budgets or savings goals yet
No joint card or wallet; it records money, it does not hold it
Custom categories and expense search are Premium
No web app beyond view-only shared links

See how couple groups work

Splitwise

A simple running IOU between two people

The best-known splitting app, so your partner may already have it
Currency conversion and a full web version
Offline entry

Nothing made for couples: no joint or personal lanes, just a balance
The free plan limits how many expenses you add a day and shows ads
No personal spending tracking, and nothing read from SMS or UPI

Splitwise vs Splitkaro, in detail

Coupl

A shared wallet you both spend from

A joint digital wallet with a RuPay card for each of you
Each partner gets an @coupl UPI handle
Shared bills, spending stats and budgets inside the app

A prepaid wallet issued by LivQuik, not a bank account
Only tracks what you spend through the wallet, so you have to load money in first
A small app so far, with few ratings

Fold

Both of your bank accounts in one picture

Pulls bank, card and UPI spends through RBI’s Account Aggregator, with no SMS reading
Shared Spaces for family money, with budgets
Net worth across mutual funds, stocks, EPF, NPS and FDs

Built around tracking accounts, not around who owes whom
Works only with banks on the Account Aggregator network
Some features need Fold Plus, ₹349 a month or ₹999 a year

How Fold tracks UPI, compared

Which one should you actually pick?

If you keep separate accountsSplitkaroJoint, split and personal in one group means you stay fair without merging money, and UPI and SMS do most of the typing.

If you only want a balanceSplitwiseTwo people, one number. It does that well, within the free plan’s daily limit.

If you want to pool moneyCouplIt is the only one here that holds shared money, with cards and UPI handles for both of you.

If you want net worth tooFoldAccount Aggregator brings in both of your banks and investments, which no splitting app does.

Questions, answered

What is the best app for couples to track shared expenses in India?

Splitkaro, if you keep separate accounts and want to stay fair. A couple group tags each expense as joint, split or personal, reads your bank and UPI SMS on Android or iPhone so most of it fills itself in, and shows one summary for both of you. Coupl suits couples who want to pool money in a shared wallet instead.

Do we need a joint bank account?

No. Most couples split shared costs from their own accounts and settle up over UPI. A tracker that keeps joint, split and personal spending apart does the job a joint account would, without merging money.

Can my partner see my personal expenses?

Not in Splitkaro. Personal expenses in a couple group stay private to you, while joint and split ones are visible to both.

Is Splitwise good for couples?

For a simple balance, yes. It has no couple-specific features, though, and the free plan caps how many expenses you can add each day. Couples who log every grocery run tend to hit that cap. See the free Splitwise alternatives →

Is there a free expense app for couples?

Splitkaro is free for unlimited expenses, including the couple group. Splitwise is free with a daily limit and ads. Fold has a free tier with Fold Plus on top.

Shared expense trackers for couples in India.

The short answer