Best Budgeting Apps for Couples to Manage Their Money

In this article, you will find the best budgeting apps for couples to manage their money. Budgeting can be extremely difficult for a single individual.

Best Budgeting Apps for Couples to Manage Their Money
Best Budgeting Apps for Couples to Manage Their Money

When you add your spouse to the picture, it could seem impossible to track expenses and stay on budget due to tons of financial responsibilities.

Best Budgeting Apps for Couples to Manage Their Money

Luckily, there are lots of budgeting apps for couples that could let you and your spouse stay on the same spending page. These apps work perfectly for couples. They will help you and your partner spend less and save more.

Below are the best budgeting apps that can help couples effectively manage their money


This is one of the best budgeting apps designed specifically for couples. Honeydue allows couples to track spending and coordinate bill payments. This app breaks monthly expenses into different categories and also allows couples to set monthly spending limits on each category. The app will notify you if you or your partner are approaching the spending limit.

With bill payment reminders and monthly spending limits, the app helps couples make sure that they are not spending too much. Furthermore, several accounts like savings and checking accounts, loans, and investments can be synched into this app.


Although this app isn’t designed specifically for couples, it allows you to connect several accounts. Hence, it can be useful for a couple to budget together. Mint connects to your bank accounts, credit cards, and retirement accounts to keep track of your income, spending, and savings.

It automatically categorizes transactions, so you don’t need to manually provide your purchases and deposits. With Mint, you and your spouse can create saving goals and also track your investments.

In addition to this, the app has a monthly bill payment tracker that allows you to view your bills easily and it reminds you of upcoming bill payment dates.


Trim is a budgeting app that you can use with your partner if you want to save more. There could be numerous subscriptions and services that you’re paying for monthly that could be eating deep into your pocket.

However, with Trim, you could reduce unnecessary expenses by cancelling old subscriptions and adjusting overpayments. This app also negotiates your interest rate with banks and credit cards, so you’ll get the best rate.


Goodbudget app uses the envelope method to help users create and stick to a budget. This method allocates a certain amount of your income to categories like groceries, rent, debt repayment, and more.

This app makes you get intentional about prioritizing your spending as you are only meant to spend the amount allocated to each category. Goodbudget will ensure that you and your spouse are not overspending. It also helps you to cultivate the habit of saving.

However, unlike some budgeting apps, Goodbudget does not sync to your credit cards and bank accounts. So, you have to provide transactions manually and you have to be disciplined about this.

Personal Capital

Looking for a good budgeting app for you and your spouse? Then you should consider using Personal Capital. It keeps track of your day-to-day spending. In addition to this, it also syncs to your 401 (k)s and IRAs so that you can keep tabs on your retirement goals.

This app also uses your financial information like your mortgage and loans to give you and your spouse a view of your net worth. The app also sends notifications to indicate your monthly progress toward goals.

You Need a Budget (YNAB)

This user-friendly app is also best for couples to budget and plan for future financial goals. It is designed to help you and your spouse save money to get out of debt. It effectively tracks day-to-day spending. Once you link your accounts to this app, YNAB automatically syncs to your bank accounts, credit cards, and investment accounts.

This app operates uniquely from most other apps. It doesn’t categorize your spending for you. Rather, it allows you to categorize your spending based on your priorities. This app could be the best option for couples especially if they have a joint checking account.


This app also connects to your bank accounts, credit cards, loans, and investments. It allows you and your partner to get an overall view of your household finances. PocketGuard builds your budget based on your and your spouses’ income, recurring bills, and financial goals.

Monarch Money

This app has features that make budgeting with your spouse much easier. With its easy-to-use tools, goal timelines, and data insights, saving can be easily achieved with this app. With Monarch Money, you and your partner can track your everyday finances and also set saving goals.


This budgeting app is another great one that could work well for you and your spouse to save for short and long-term financial goals. This app makes it easy to save money, keep track of expenses, and plan for future goals.

It tracks day-to-day expenses and helps you to manage them. In addition to this, Simplifi also makes saving for massive purchases much easier. When you provide your goal, Simplifi will help you to create a plan to save towards that goal.


Is There a Shared Budget App?

Yes, there are. These apps are great for managing a household budget. They let you sync your and your partner sync bank accounts and manage a shared budget.

What are Some Things to Consider When Selecting a Couple’s Budgeting App?

When you want to select a budgeting app for couples look out for the fees first. Although many budgeting apps are free, some come with costs, and you’ll want to ensure that you are not paying too fees. Also, consider the features, security, and customer service.

What is the 50/30/20 Rule?

This is a common rule used in budgeting. It states that 50% of your after-tax income should be spent on needs and obligations. While the remaining half should be split into 30% for wants and 20% for savings and debt repayment.

What are Some Tips for Budgeting as a Newly Married Couple?

Below are some tips that could make budgeting for newlyweds easier

  • Be open about your finances.
  • Share your credit history.
  • Start an emergency fund.
  • State your financial goals.

How Can Couples Create a Budget?

To create a budget as a couple, you have to

  • Set SMART goals.
  • Calculate your net income.
  • Determine mandatory expenses.
  • Calculate how much you need to save.
  • Choose your budgeting software.


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