Best shared expense tracker apps for couples, compared

Splitkaro

That’s us

Joint, split and personal money in one couple group

Tag each expense as joint, split or personal; personal stays private
Rent, loan payments 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 question sits next to the expense
Item-wise splitting for the bills you do not share evenly
Works offline, syncing when you are back online
Free unlimited expenses, and no ads even on the free plan

No budgets, goals or net worth
Card and bank feeds through Plaid are still in beta
Custom categories and expense search are Premium
No web app beyond view-only shared links

See how couple groups work

Honeydue

A free shared view of both of your banks

Free, with optional monthly tips
Link banks and choose how much each of you shares
Monthly limits per category, and bill reminders
Ask your partner about a purchase, with chat and emoji reactions

Bank linking covers the US, Canada, UK, Spain and France only
The Android app shows ads
Now owned by Mission Lane, a credit card company

Monarch

A full household dashboard for two

Your partner joins with their own login at no extra cost
Mark each account or transaction as shared or individual
Joint budgets, savings goals and net worth
A full web app as well as the phone apps

$14.99 a month or $99.99 a year after a 7-day trial
Does not split a bill or track who owes whom

Monarch vs Splitkaro, in detail

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

Splitwise vs Splitkaro, in detail

Which one should you actually pick?

If you keep separate accountsSplitkaroJoint, split and personal in one group keeps things fair without merging money, and it is free for unlimited expenses.

If you want to see both banks, freeHoneydueLinked accounts, bill reminders and category limits, at no cost.

If you are merging financesMonarch (paid)Shared budgets, goals and net worth across every account, with a second login included.

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

Questions, answered

What is the best shared expense tracker for couples?

It depends on whether you are merging money. Splitkaro if you keep separate accounts and want joint, split and personal spending in one place, free. Honeydue for a free view of both of your linked banks. Monarch if you want a paid dashboard with shared budgets and goals.

Is there a free app for couples to split expenses?

Splitkaro and Honeydue are both free. Splitkaro is free for unlimited expenses; Honeydue is free with optional tips. Splitwise is free with a daily limit on expenses and ads.

Can my partner see my personal expenses?

Not in Splitkaro: personal expenses in a couple group stay private to you. Honeydue lets each of you choose how much to share. In Monarch, both partners see everything in the household.

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, which couples who log every grocery run tend to hit. See the free Splitwise alternatives →

What happened to Zeta?

Acorns acquired Zeta in June 2025, and its website no longer loads. Honeydue and Monarch are the closest couples apps still running.

Shared expense trackers for couples, compared.

The short answer