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Budgeting together as a couple can be beneficial for your finances! But who wants to spend hours with spreadsheets and calculators? Thankfully, there are some awesome free budgeting apps that make managing money as a team really simple.
Let’s take a look at some of the best free budgeting apps for couples.
5 Best Free Budgeting Apps for Couples
1. HoneyDue
Honeydue is an app designed specifically for couples. It’s a great way to manage your money together, whether you’re just starting out or have been together for years.
Honeydue helps you keep track of your shared expenses, create a budget that works for both of you, and stay on top of your bills. It also has some fun features, like sending emojis to each other when you make a purchase.
Key Features
- Track shared expenses: See where your money is going together and easily split expenses. You can even add notes to transactions to keep track of who paid for what.
- Create budgets together: Plan how you’ll spend your money as a team. Set spending limits for different categories, like groceries, entertainment, and bills.
- Set reminders for bills: Never miss a due date again! Honeydue will remind you when bills are coming up so you can pay them on time.
- Send messages about money: Have money conversations right in the app. This can help you avoid misunderstandings and stay on the same page.
- Use fun emojis: Add some personality to your money management with fun emojis in your chats.
Rating: 4 out of 5 stars on Google Play Store, and 4.5 out of 5 stars on the App Store.
Cost: Free
2. EveryDollar
EveryDollar is a budgeting app created by personal finance expert Dave Ramsey. It’s based on his popular zero-based budgeting method, where you give every dollar a job.
EveryDollar helps you plan your spending, track your transactions, and stay on top of your budget. It’s a good option for couples who want a simple and straightforward budgeting tool.
Key Features
- Zero-based budgeting: Allocate every dollar of your income to a specific category, ensuring that your income minus your expenses equals zero.
- Track transactions: Manually enter your transactions or connect your bank accounts for automatic tracking.
- Create a budget with your partner: Share your budget with your partner and work together to manage your money.
- Set financial goals: Track your progress towards your financial goals, like saving for a down payment or paying off debt.
- Access on multiple devices: Use EveryDollar on your phone, tablet, or computer.
Rating: 4.3 out of 5 stars on Google Play Store and 4.7 out of 5 stars on App Store.
Cost: Free
3. GoodBudget
If you prefer the envelope budgeting method, Goodbudget is a great choice. It’s a simple and effective way to manage your money. You allocate funds to different spending categories, just like putting cash into envelopes, and track your spending accordingly. Goodbudget makes it easy to share your budget with your partner and stay on track together.
Key Features
- Create spending categories: Divide your money into different categories, like groceries, entertainment, and transportation.
- Track spending by category: See how much you’re spending in each category and stay within your budget.
- Share budgets with your partner: Work together to manage your money and stay on the same page.
- Sync across multiple devices: Access your budget from your phone, tablet, or computer.
Rating: 3.7 out of 5 stars on Google Play Store, and 4.6 out of 5 stars on App Store.
Cost: Free (Paid version costs $7 per month)
4. NerdWallet
The NerdWallet app is more than just a budgeting app. It’s a comprehensive tool that gives you a complete picture of your finances. You can track your spending, create budgets, and get personalized insights to help you make smart financial decisions.
NerdWallet also offers tools for comparing financial products, like credit cards and loans, and provides helpful articles and advice on a variety of financial topics.
Key Features
- Budgeting tools: Create a budget that works for you and track your spending.
- Spending trackers: See where your money is going and identify areas where you can save.
- Personalized insights: Get personalized advice and recommendations to improve your financial health.
- Connect your bank accounts and credit cards: Track your spending and monitor your accounts in one place.
- Create budgets with your partner: Work together to manage your money and achieve your financial goals.
Rating: 4.5 out of 5 stars on Google Play Store, and 4.8 out of 5 stars on App Store.
Cost: Free
5. Zeta
Zeta is another excellent free app for couples. It’s designed to help you manage your finances together seamlessly. Zeta offers features like joint accounts, bill reminders, and goal setting. That makes it easy to stay organized and work towards your financial future as a couple.
Key Features
- Joint accounts: Open a joint account with your partner and easily track your shared finances. This can be helpful for managing shared expenses and saving for common goals.
- Bill payment reminders: Stay on top of your bills and avoid late fees. Zeta will send you reminders when bills are due.
- Shared financial goals: Work together to achieve your financial dreams. Set goals for things like buying a home, paying off debt, or taking a vacation.
- Helpful tips and insights: Zeta provides personalized tips and insights to help you improve your financial health as a couple.
Rating: 3.6 out of 5 stars on Google Play Store, and 4.4 out of 5 stars on App Store.
Cost: Free
4 Best Budgeting Apps for Couples
We looked at some awesome free budgeting apps for couples. But if you are someone who doesn’t mind spending a few bucks to get your finances sorted, there are some great options for that too. Let’s take a look at some best budgeting apps for couples.
1. YNAB (You Need A Budget)
YNAB is a very popular budgeting app, especially for couples who are serious about getting their finances in order. It uses a method called “zero-based budgeting,” which means you give every dollar you earn a specific job. This helps you make sure you’re spending your money on things that are important to you.
YNAB has lots of helpful features, like tracking your goals, tools to help you get out of debt, and resources to teach you about managing money.
Key Features
- Zero-based budgeting: Plan how you’ll spend every dollar of your income. This helps you make sure your money is going where you want it to.
- Goal tracking: Set financial goals, like saving to buy a car, and track your progress. YNAB helps you stay motivated and on track.
- Debt payoff tools: If you have debt, YNAB provides tools to help you pay it off faster. This can save you money on interest and help you become debt-free sooner.
- Educational resources: YNAB offers workshops, articles, and other resources to help you learn more about budgeting and managing your money.
- Reports and insights: See where your money is going and get a clear picture of your spending habits. This can help you identify areas where you can save.
Rating: 3.7 out of 5 stars on Google Play Store and 4.8 out of 5 stars on App Store.
Cost: $14.99/month or $109/year
2. Simplifi by Quicken
Simplifi is a budgeting app that helps you manage all aspects of your finances. It’s a good choice for couples who want a comprehensive tool to track their spending, create budgets, and plan for the future.
Simplifi offers features like net worth tracking, goal setting, and bill pay reminders. That’s why it is easier to stay organized and on top of your finances.
Key Features
- Track your spending: See where your money is going and identify areas where you can save.
- Create budgets: Create a personalized budget that works for you and your partner.
- Plan for the future: Set financial goals and track your progress towards achieving them.
- Net worth tracking: Track your net worth (your assets minus your liabilities) to see your overall financial picture.
- Bill pay reminders: Never miss a bill payment again with Simplifi’s reminders.
Rating: 4.5 out of 5 stars on Google Play Store and 4.3 out of 5 stars on App Store.
Cost: $2.99/month
3. Personal Capital
Personal Capital is a great choice for couples who want to manage their investments along with their budget. It gives you a complete view of your financial health, including your spending, net worth, and investments.
Personal Capital also offers tools for retirement planning and investment management. That makes it a good option for couples who are looking to grow their wealth.
Key Features
- Track your net worth: See your overall financial picture by tracking your assets and liabilities.
- Investment tracking: Monitor your investment accounts and get personalized advice from financial advisors.
- Retirement planning: Plan for your retirement and ensure you’re on track to meet your goals.
- Budgeting tools: Create a budget and track your spending to stay on top of your finances.
- Cash flow analysis: See where your money is coming from and where it’s going.
Rating: 4.7 out of 5 stars on App Store.
Cost: Free for basic features, paid plans for additional features like personalized advice and wealth management.
4. Moneydance
Moneydance is a powerful budgeting and personal finance software that’s available for a one-time fee. It’s a good choice for couples who want a comprehensive tool to manage all aspects of their finances. That includes budgeting, banking, bill pay, and investment tracking.
Moneydance offers a wide range of features and is compatible with Windows, Mac, Linux, iOS, and Android.
Key Features
- Online banking: Connect to your bank accounts and download transactions automatically.
- Bill pay: Pay your bills online directly from Moneydance.
- Investment tracking: Track your investments and monitor your portfolio performance.
- Budgeting tools: Create a budget and track your spending to stay on top of your finances.
- Multiple currencies: Manage accounts in multiple currencies, which can be helpful for international couples or those who travel frequently.
Rating: 2.8 out of 5 stars on Google Play Store and 4.8 out of 5 stars on App Store.
Cost: $69.99 one-time fee
The Benefits of Budgeting Apps for Couples
When you start planning finances together as a couple, you certainly need something that makes things easier for you. That is where the best money management app jumps in! Here are a few benefits that these apps offer.
- You can bring all your finances under one platform and manage them from there rather than switching different apps of your bank or other financial institutes.
- Both the partners can update where their money goes simultaneously and there will be no surprises at the end of the month.
- The best budgeting apps send notifications and alerts about upcoming bills, making sure you are safe against penalties.
- Hassle-free money tracking will help keep transparency between a couple and turn a rather emotional topic into something productive.
There are countless other benefits that you can enjoy by simply signing up for the best budget app for couples in 2025. All that matters is that your choice of app is best.
How to Choose the Best Budget App for a Couple?
Though it might sound challenging to explore the best budgeting apps, it is a rather convenient task if you know the right strategy. We have listed some tried and tested tips you can keep in consideration to filter the available options and pick the best app for efficient financial planning as a couple.
- You should look for an app that offers shared access to both of you. This way, you both can log in and use the app as you wish.
- Make sure the app you choose has a user-friendly interface that is easy to use without any expert assistance.
- We suggest using the budget app that lets you add categories like grocery, tuition, and entertainment to easily track all the expenses.
- The spending habits of each couple vary, so it is best to choose the budgeting app that allows customizations. This way, you will be able to turn the dashboard per your requirements.
- Check the pricing of the app before finalizing it. Moreover, you should do a detailed cost-benefit analysis to ensure the features are worth the price you will pay for the app.
With these simple yet effective strategies, you can conveniently pick the budget app for couples that certainly helps you in efficient financial management.
Conclusion
For a couple to manage their money together is the best way to achieve their financial goals faster. If you are worried about how all the accounts and expenses will get sorted, these couple budgeting apps will do the grunt work for you.
These apps let you categorize your expenses, allocate funds to each expense, and invest your money in a way to keep moving closer to your financial goals.
All it takes is a little bit of research and exploration to find the best app. As Finbuzz readers, you are in for a treat as you only have to explore the 5 best options listed above and start with fruitful money management within a few clicks!
