The best budget apps for couples in 2026, compared

Seven apps couples actually use to manage money together, side by side: what they cost, whether they connect to your bank, how two people share them and where they run. Fam108 is our app, so its row lists its weak points too.

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Prices and features checked on November 3, 2026

Every fact about another app below comes from that app’s own website on the date above. Prices are the ones stated there in US dollars; in your country, or inside the app stores, they may differ.

Side by side

As stated on each app’s official website on the check date. “—” means the official site does not say. Prices exclude tax and can change at any time.

The apps one by one

Fam108 (our app)

Built for one shared budget on two phones, with a separate budget, currency and end date for each trip or project, and sync free on every plan. It never connects to a bank: every expense is entered by hand, which takes about three taps and works with cash and any bank. The minuses, plainly: no automatic import, no currency conversion, no bill splitting, and it is not in the App Store or Google Play yet; today it runs in the browser and on Android as a beta APK.

YNAB

YNAB is built around its own method: decide what every dollar is for before you spend it. It connects to your accounts and imports transactions, and one subscription can be shared by up to six people, which covers a couple easily. It costs $14.99 a month or $109 a year, after a 34-day free trial with no card required.

Monarch Money

Monarch brings all your accounts into one view, from day-to-day spending and cash flow to net worth, and categorises transactions once your accounts are connected. You can collaborate with a partner at no extra cost. It costs $14.99 a month or $99.99 a year and runs on the web, iOS and Android.

Goodbudget

Goodbudget is a digital take on the envelope method: you set money aside in envelopes for each category and spend from them. The free plan has 20 envelopes, one account and two devices, enough for a couple to try it; Premium, at $10 a month or $80 a year, adds unlimited envelopes and accounts, five devices and automatic bank sync for US banks.

Honeydue

Honeydue is made for couples: each partner links their accounts, chooses what to share, and you keep track of bills together. It supports over 20,000 financial institutions in five countries and is a free app for iPhone and Android.

Splitwise

Splitwise is not a budget app but a way to keep track of shared expenses and balances, who owes whom, in a couple, a shared flat or a group trip. It is free on iPhone, Android and the web; Splitwise Pro removes ads and adds features such as receipt scanning and currency conversion.

Tricount

Tricount splits costs in a group: start a tricount for a trip, a dinner or a household, add expenses and see who owes what. It is free, without ads or limits, on iOS and Android, and a bunq card can add shared expenses automatically as you pay.

Which one fits you

If you want every transaction pulled in from the bank and your whole financial picture in one place, YNAB and Monarch are built for that. If you like envelopes, Goodbudget is the direct way to do it. If what you need is to settle up after a trip or in a shared flat, Splitwise or Tricount does exactly that and works fine next to a budget app. Fam108 is for couples and families who want one shared budget on two phones without connecting a bank, with separate budgets for trips and projects.

How we compared

We took only what each app states on its own official website on the date shown above: the price in US dollars, whether it connects to banks, how two people share it and the platforms it runs on. We did not test the other apps in depth and do not score them. Fam108 is our product, so its row lists its weak points as plainly as its strengths. If anything here is out of date, write to support@fam108.com and we will correct it.