Apps to share expenses as a couple (2026)

Three different things called «couple expenses»

When two people say they want to share expenses, they can mean three different problems. And the app that solves one doesn't always solve the others:

• Who owes whom. Each of you pays with your own card and the app keeps the score between you. That's what Splitt, Splitwise and Tricount do.
• Accounts in common. You both see the same balances and the same transactions: the joint account, the household card, the holiday pot.
• How much you'll have left. Knowing today whether August is going to be tight, with the mortgage, the car insurance and what your partner owes you already factored in.

Almost every app covers the first. Some cover the second. The third is rare. So before installing anything, it's worth knowing which of the three is yours.

The apps, one by one

1. Cuéntamo

Cuéntamo is a money app built around a balance forecast, and a couple fits in two ways. The first is a shared book: you both join the same account book and see the same things (balances, spending and forecast) in real time. The second, if you'd rather each keep your own: one book each and a linked account between the two, so whatever one of you logs is reflected in the other's book.

For «who owes whom» it has expense groups: you create the group, send the link and your partner logs what they pay from the browser, without installing anything or signing up. Each expense separates what each of you put in from what each of you owes (several payers allowed), splits equally or however you like, and you settle at your own pace: on the spot, when a trip closes or every month. If you have an account in common, the pot is reconciled against the bank statement. For one-off debts there are debt accounts (one per person, whose balance is what they owe you or you owe them) and one-tap «Settle». And here's what sets it apart: those debts go into the forecast. What you owe comes off your projected balance; what you're owed is shown separately, because getting paid doesn't depend only on you.

The forecast covers 6 months on the free plan and 5 years on Cuéntamo Más. Expense groups, splitting and debts are free, with no ads and no transaction limit; the shared book has a 30-day trial and then comes with Cuéntamo Más (€4.99/month or €49.90/year, up to 5 members per book), as do linked accounts across books. No bank connection. It runs on the web and installs as an app on iPhone, Android and desktop.

2. Lurio

On this list, the closest in spirit: personal budgets and shared expenses in the same app, for couples, flatmates or trips. For couples you create a group, split 50/50, by percentage or with fixed amounts, and your partner joins for free as a guest (they can log their expenses and see the balance). It scans receipts with AI and handles more than 30 currencies. Its App Store listing advertises a cash flow forecast that alerts you when a negative balance is expected; it doesn't document how far ahead it projects or whether it does so per account. Web, iOS and Android. The Essential plan is €39.90 a year for one person and Duo is €49.90 a year for two; right now it's giving lifetime premium to its first 100 users.

3. Aurio

Personal finance with free, unlimited shared expense groups for a trip, a flat or a couple: splits, balances and settling up, and you invite people with a link so each one sees their share. It doesn't make you connect your bank. It has a balance forecast at 30, 60 and 90 days, on the Premium plan. It's on iPhone, Android and the web. It's free to start and Premium costs €5.99/month or €49.99/year.

4. Dinerio

Spanish, with no bank connection, focused on net worth, budgets and investments. For couples, it lets you link your partner's accounts and manage what you share together, each keeping your privacy, and its Split feature creates groups (with your partner or with friends) and works out who owes whom; money paid back to you comes off the original expense. It has a very handy touch: when you pay with Apple Pay or Google Wallet it detects the payment and leaves the transaction almost done. It doesn't project your balance. It costs €3.99/month or €35.88/year, with a 14-day trial and no free plan. Web, iOS and Android.

5. Splitt

Made in Spain and built for two people only: couples, flatmates, siblings. You create the space, send the link on WhatsApp, your partner creates a free account and you both see the same balance in real time. It splits 50/50 by default and each expense can be adjusted; there's a trips module separate from day-to-day spending and a button to settle up via Bizum or cash. It runs in the browser (PWA) and is also on Google Play. It's free for the essentials, with no limit on expenses, although the free version carries ads and affiliate links; Premium (€7.99/month or €59.99/year, one payment for both of you) adds unlimited goals, categories and history. It doesn't keep your accounts or project your balance, although it does tell you when you'll reach a goal at your current pace. It isn't meant for groups of three or more (its own website points you to Splitwise).

6. LILA Money App

Designed for women, with an idea of its own: you log expenses by voice and its AI sorts them out. Budgets, savings goals and an account shared with your partner, which its website lists under the Premium plan. It doesn't connect to your bank. It's on iOS and Android (and they say a web version is in the works). The Basic plan is free and Premium costs $4.99/month according to its website. It doesn't document a who-owes-whom split or a date-by-date balance forecast.

7. Splitwise

The classic of expense splitting: groups, balances, settling up, free on iPhone, Android and the web. Watch out for the free version: it shows ads and, according to its help centre, has a daily limit on expenses (it doesn't publish the number), a cap that a couple logging groceries, petrol and dinner can hit on any Saturday. Splitwise Pro removes the limit and the ads and adds receipt scanning, currency conversion, search and charts; its website doesn't publish the price, which varies by country.

8. Tricount

Part of bunq, and completely free. Equal or uneven splits, suggestions to settle up, payment requests and multiple currencies. The best bit for a couple: your partner doesn't need to download it, because with the link they can view and add expenses in a browser. The catch: each expense allows only one payer.

If you're torn between those two, we put them head to head in Tricount or Splitwise: which to choose, and against Cuéntamo in Cuéntamo vs Splitwise and Tricount.

When another app suits you better

What about a trip, or just a scoreboard between the two of you?

Cuéntamo too. The group link does what Tricount does (nobody has to sign up) and what Splitwise does (several payers on one expense), with no ads and no daily cap, and when you get back what you owe each other already counts in your balance. What the others bring are specific preferences: if you pay for almost everything with your phone, Dinerio detects Apple Pay and Google Wallet payments; if you'd rather talk than type, LILA; and if there are two of you and all you want is the scoreboard, Splitt is simple and free.

How to choose

• What's your problem? The scoreboard, accounts in common, or knowing how much you'll have left? Start there.
• Does your partner have to sign up? If they're not keen on installing things, a link that works in the browser saves you the first argument.
• Do you split 50/50? If one of you earns more, check that the app lets you split by percentage or amount (every app on this list allows it in some way).
• Does what you owe each other count in your balance? If it lives in a separate app, your bank account doesn't know about it, and neither does your end-of-month forecast.
• How much does it cost for two? Some charge per person and some cover the couple with a single subscription: Lurio Duo is for two, and Cuéntamo Más allows up to 5 members per book.