Home 9 Apps & Devices 9 Best Budgeting Apps for Couples | 2024

Best Budgeting Apps for Couples | 2024

by | Feb 1, 2024

Talking about money as a couple isn’t the most exciting thing. But it’s important to have open discussions about finances if you want a healthy partnership. Don’t know where to start? Technology can assist you. Below, we’ve listed the top budget apps for couples to help you confidently begin your financial journey together.

According to The Knot Financial Survey, finance apps are the most popular way for couples to stay informed about their day-to-day financial planning and investments, with about 40% of couples using them. So if you haven’t tried using apps to stick to a budget or enhance your investments, now is a good time to give them a try.

Take control of your finances as a couple with the best budget apps listed below. Additionally, you can learn about budgeting tools for couples from finance coach and City Girl Savings founder, Raya Reaves, who generously shared her expertise.

The Benefits of Using a Budgeting Apps for Couples

Using a budget app as a couple offers numerous benefits, including:

  • Improved Financial Communication: A budget app provides a platform for couples to openly discuss their finances, set financial goals together, and track their progress. It promotes transparency and collaboration, leading to better financial communication between partners.
  • Shared Expense Tracking: With a budget app, couples can easily track and categorize their shared expenses. It eliminates the need for manual calculations and spreadsheets, making it more efficient and accurate. This feature helps both partners stay informed about their spending habits and ensures fairness in financial responsibilities.
  • Real-Time Expense Monitoring: Budget apps allow couples to monitor their expenses in real-time. They can see how much they’ve spent, where their money is going, and identify areas where they can cut back. This visibility helps couples make informed decisions and adjust their spending habits accordingly.
  • Goal Setting and Tracking: A budget app enables couples to set financial goals together, such as saving for a down payment, a vacation, or paying off debt. The app helps track progress towards these goals and provides motivation to stay on track. It also allows couples to celebrate milestones together.
  • Financial Accountability: Using a budget app promotes accountability between partners. It encourages both individuals to take responsibility for their spending and helps them stay committed to their financial goals. Couples can review their spending patterns and hold each other accountable for making positive changes.
  • Long-Term Financial Planning: Budget apps provide tools for long-term financial planning. Couples can create budgets, set savings targets, and plan for future expenses such as retirement or education. By having a clear financial roadmap, couples can work together towards their shared financial aspirations.
  • Convenience and Accessibility: Budget apps are convenient and accessible, allowing couples to manage their finances anytime and anywhere. They can access their budget information from their smartphones or computers, making it easy to stay updated and make financial decisions on the go.
See also  How to Hide Apps on iPhone (& How to Unhide Them)

Best Budgeting Apps for Couples

1. Monarch Money

Monarch Money

Download for iOS

Download for Android

No.Top Features
1.Both you and your partner can access the same account, but you’ll each have your own unique login details.
2.All of your finances are clearly laid out on a sophisticated dashboard, including bank accounts, loans, credit cards, and more.
3.Monarch provides helpful data insights (like a review of the previous month’s expenditure) and encouraging goal timelines.
4.Monarch allows you to sync with over 11,000 financial institutions for an up-to-date overview of your spending and saving.

The Monarch Money app is a great choice for couples who want to manage their finances together. It has many useful tools for budgeting, making it easy to keep track of your everyday spending and work towards your savings goals. With user-friendly controls, helpful insights, and a clean dashboard, staying in control of your money becomes a breeze.

If you want to get the most out of this finance app for couples, the premium subscription is the recommended choice. However, it comes with a cost of $10 per month (or $90 per year if you pay annually). The good news is that you can try it out with a free seven-day trial before deciding. On the other hand, if you prefer not to pay, you can still use a free account to collaborate with your partner. Just keep in mind that the free account has limitations, such as a maximum of two bank connections and some missing features like crypto and investment tracking.

See also  I Forgot My Apple ID Password! Here's How To Reset It!

2. Honeydue


Download for iOS

Download for Android

No.Top Features
1.Honeydue is designed specifically for couples, so features have been carefully thought out to support partners in managing their money together.
2.You and your other half can each add the bank accounts, credit cards, investments, and loans that you want to share with the other.
3.The app supports over 20,000 financial institutions across five different countries, so chances are you’ll be able to add and track all of your accounts.
4.Accounts all appear in one convenient place, giving you a snapshot of your joint finances.
5.Have separate accounts you want to manage on your own? You can easily toggle between an overview of your individual finances or joint finances, making the shared budget app an all-in-one finance tracker for separate and shared accounts.
6.Honeydue also allows you to set reminders to pay bills so you can keep your credit in check and avoid late-payment penalties.

Honeydue is a popular money-tracking app designed for couples. It can be useful for couples at any stage of their relationship. Whether you’ve recently started sharing expenses after moving in together or you’ve been together for a long time and want to improve your financial situation, Honeydue can help. The best part is that the app is completely free to use. However, because it’s free, there are ads that can disrupt the smooth experience of tracking your budget.



Download for iOS

Download for Android

No.Top Features
1.It’s easy to access anytime, anywhere on your iOS or Android device, including Apple Watches and iPads. You can even integrate your YNAB account with Amazon Alexa devices, so checking up on your daily expenses is a breeze.
2.You Need a Budget lets couples budget with shared accounts, separate accounts, or a combination of both. Whatever you choose, the goal is to help you and your partner manage your money together while maintaining financial independence.
3.Your linked accounts will automatically sync for real-time updates (another feature that’s super-helpful for daily tracking) and secure data encryption keeps your sensitive information safe.
4.Graphs and charts paint a clear picture of your progress so you can make adjustments as necessary.

You Need a Budget (or YNAB) is especially helpful for keeping track of your day-to-day expenses. YNAB simplifies the process of monitoring your spending by showing you how much you spend in each budget category throughout the month.

See also  Best Horror Games for iPhone | 2024

However, YNAB is a bit more expensive compared to other budgeting apps. Fortunately, you can try it out for free with a 34-day trial to see if it suits your needs before committing. After that, the cost is $15 per month or $99 for the year if you pay in one go.

The app’s main focus is on budgeting, so it’s better suited for tracking your everyday spending and saving rather than for building overall wealth or improving your credit.

4. Quicken Simplifi

Quicken Simplifi

Download for iOS

Download for Android

No.Top Features
1.Start by entering your goal and the app will guide you through the process from there. It calculates exactly how much you need to save each month (which you can adjust at any time and the app will update your timeline accordingly).
2.You have the option to include bigger goals in your monthly budget too, so consistently building your savings pot is effortless.
3.Engaging visuals make progress easy to measure.
4.Setting up your financial plan on Simplifi is similar to other budgeting apps. Add your bank accounts, loans, credit cards, and investments for seamless integration of all your finances. The app is connected to over 14,000 financial institutions.

Quicken Simplifi is another top financial planning app for couples. It lives up to its name by providing a simple way to save money, track expenses, and plan for the future. While you can use the app for day-to-day expenses, what sets it apart is its support for long-term financial goals. It’s especially great for saving up for big purchases.

Quicken Simplifi offers useful tools for tracking your finances. However, it may not be the most user-friendly budget-tracking app for couples because you have to share a login. If you usually sit together to go through your budget, this shouldn’t be an issue. However, it might get a bit tricky if you prefer managing your finances on the go or if you each have separate accounts that you want to manage individually.

5. The Knot

The Knot

Download for iOS

Download for Android

No.Top Features
1.The Knot is the best money management tool for couples setting a budget for their big day. It includes your wedding vendors, honeymoon, stationery, rings, gifts, tip money, and beyond.
2.The Knot includes an estimate column followed by a column to track how much you actually paid. As a result, you can plan ahead and keep on top of your actual expenses.
3.You can set your maximum wedding cost before you start to help you stay within your budget, and you’ll also get a handy snapshot of your overall budget vs. how much you’ve spent so far.

The Knot’s wedding planning app has a handy budgeting tool that makes it simple to keep track of your wedding expenses. It provides space to budget and track every aspect of your special day.

The Knot’s app is the top choice for couples who want to manage their budget for their big day. However, it’s important to note that this app is specifically designed for tracking wedding expenses and may not be suitable for everyday budgeting needs. You can use The Knot to create an initial wedding budget and keep all your wedding-related expenses organized in one place.


In conclusion, using budgeting apps for couples can have a significant positive impact on a couple’s financial journey. These apps offer a range of benefits, including improved financial communication, shared expense tracking, real-time expense monitoring, goal setting and tracking, financial accountability, long-term financial planning, convenience, and accessibility. The article highlights five of the best budgeting apps for couples in 2024. By leveraging these budgeting apps, couples can foster transparency, collaboration, and financial harmony, ultimately strengthening their partnership and achieving their shared financial aspirations. Also read Best Translation Apps for iPhone | Top 7.

How useful was this post?

Click on a star to rate it!

Average rating 5 / 5. Vote count: 2

No votes so far! Be the first to rate this post.

We are sorry that this post was not useful for you!

Let us improve this post!

Tell us how we can improve this post?

You May Also Like…


Submit a Comment

Your email address will not be published. Required fields are marked *