The short version
For a partner you split bills with every month, pick an app that keeps the split set and tracks who owes whom. Wonderful does that from your bank accounts and splits by income. Splitwise is the best known splitter for typed expenses, with uneven splits. Honeydue is free and lets each person choose what the other sees. Tricount, Splid and Venmo are covered below.
- 1
Wonderful: Couples who keep their own money and share some bills
- 2
Splitwise: Typing in shared costs and settling up, with uneven splits
- 3
Honeydue: Couples who want it free and want to choose what is seen
- 4
Monarch Money: Couples who want one shared view, not a splitter
At a glance
| App | Best for | Price | How it splits | Works on |
|---|---|---|---|---|
| Wonderful | Couples who keep their own money and share some bills | $14.99/mo or $99/yr | Shared costs split evenly, by income, or any way you choose, and it keeps a running total of who owes whom.[7] | Web |
| Splitwise | Typing in shared costs and settling up, with uneven splits | Free | Splits can be equal, or unequal by percentage, share or exact amount, with multiple payers on one expense. On Pro you can set a default split for a group, such as 55%/45%.[9][10] | iPhone, Android, Web |
| Honeydue | Couples who want it free and want to choose what is seen | Free | The App Store lists expense splitting and settling up, and emoji reactions to a partner's spending. The how-it-works page also describes a chat on specific transactions.[14][18] | iPhone, Android |
| Monarch Money | Couples who want one shared view, not a splitter | $14.99/mo or $99.99/yr | The couples page does not describe splitting an expense between two people. It describes shared goals that two people fund from separate accounts, and tagging a partner to review a transaction.[26][27] | iPhone, Android, Web |
- Wonderful$99
- Monarch Money$99.99
No paid plan with a listed price: Splitwise, Honeydue.
The cheapest way to pay for a year on each app's pricing page. Honeydue is free with an optional tip, and Splitwise's pages state no price for Pro.
What to look for when splitting with a partner
Most bill-splitting apps were made for roommates and trips: a group, a pile of expenses and one settle-up at the end. A partner is different, because you share costs every month for years. These are the four things worth checking.
- An ongoing split. You will split rent, groceries and utilities every month, so you want a split that stays set instead of one you rebuild for each expense. See ways couples split money.
- Uneven incomes. An even split can be lopsided when one of you earns more. Check whether the app can split by percent or by income. See splitting bills by income and the fair split calculator.
- Privacy. A bill-splitting app shows the costs you enter. An app that reads your bank can show more. See yours, mine and ours.
- Settling up. Some apps only tell you who owes whom and you pay by transfer. Some send the money. See paying a partner back.
Every fact below comes from the app's own pages, its App Store listing and its reviews, read on October 27, 2026, and is numbered to its source at the end. Where a page doesn't say, this page says the pages don't say.
1. Couples who keep their own money and share some bills
Wonderful
$14.99/mo or $99/yr· Web
What it is
A budgeting app for couples who keep their own money, and for one person: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan.
Why it's on this list
Splitting is the center of Wonderful, not a side feature. Each of you connects your own bank, every charge is sorted, and a shared charge shows each person's part, such as your 55% of a charge. Shared costs split evenly, by what each of you brings home, or any way you choose, and it keeps a running total of who owes whom, so nothing is typed in twice. It also gives each paycheck a plan, which splitting-only apps don't describe. Its pages don't say it moves money between you, and it runs in the browser with no iPhone or Android app yet.
Ideal for: Two people with their own paychecks and accounts who share rent, groceries and bills, and want the split worked out for them.
What it does
- Every paycheck gets a plan for bills, spending and saving before it lands.[7]
- Banks connect through Plaid and every charge is sorted into a category.[6][7]
- Mine, yours and ours: each charge counts for the person or the pair it belongs to.[7]
- Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[7]
- Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[7]
- Savings goals show the month you'll reach them.[7]
- Net worth for each of you and for both, from the balances your banks send, with its line over time.[7]
- Life events like getting married come step by step, with the deadlines.[7]
Good
2. Typing in shared costs and settling up, with uneven splits
What it is
An app for iPhone, Android and web that tracks shared expenses with a partner, roommates or a group and works out who owes whom.
Why it's on this list
Splitwise is the app most people mean by "a bill splitter." Splits can be equal, or unequal by percentage, share or exact amount, so two incomes can be set as a percent, and it simplifies debts into the easiest repayment. Expenses are typed in, so no bank is connected, which some couples prefer. The trade is its free plan: a daily expense limit with no number on its own pages, and a Pro price that isn't listed there either.
Ideal for: Couples, roommates and friends who want to type in costs, split them any way, and settle up.
What it does
- Groups and private friendships for any splitting situation, with balances across groups.[8][10]
- Split equally, or unequally by percentages, shares or exact amounts, and add multiple payers on one expense.[8][10]
- Simplifies debts into the easiest repayment plan.[8][10]
- Recurring expenses (weekly, fortnightly, monthly or yearly) and offline entry.[8][10]
- Settle up by recording cash payments, or through Venmo and PayPal (US only).[8][10]
Good
Not so good
- The free plan limits how many expenses you can add each day; Splitwise's Pro page sells "as many expenses as you like each day" but states no number.[9]
- Pro's price is not on Splitwise's own pages; the App Store lists several Pro purchases from $2.99 to $39.99.[9][10]
- Trustpilot shows 2.0 stars from 72 reviews.[12]
- Card transaction import is a Pro feature and works in the US only.[9]
Pricing
- Free[8][9]Free"Free for iPhone, Android, and web." Pro's page offers unlimited expenses each day and no ads; the free plan's own limit is not stated.
- Splitwise Pro[9][10]No price on splitwise.com. The App Store lists Splitwise Pro purchases at $2.99, $3.99, $4.99, $29.99 and $39.99 without saying which plan is which.
- A free plan exists. Pro adds unlimited expenses each day, card transaction import (US only), currency conversion, charts, receipt scanning, itemization, expense search, default split settings, early access to features and no ads.[9]
“My partner and I just throw our shared expenses in here and then just settle up when the deficit is >$1,000 - works great!”Read it where it was said ↗
3. Couples who want it free and want to choose what is seen
What it is
A free phone app for couples that shows both people's linked accounts, bills and budgets, with a choice of how much each person shares.
Why it's on this list
Honeydue is built for two and costs nothing, apart from an optional tip. Each of you links your own accounts and chooses what the other sees. Its App Store listing names expense splitting and settling up, but the pages we read don't say how a split is divided, so it is a better fit for seeing each other's money than for an uneven split. Reviewers describe accounts that stop syncing.
Ideal for: Couples who want a free phone app, per-account privacy and a place to talk about charges.
What it does
- Shared view of linked bank account balances, loans and investments. The site says it connects "over 20,000 financial institutions across 5 countries."[14][18]
- Choose what your partner sees per account: balances and transactions, balances only, or nothing.[16]
- Monthly household spending limits for each category, with alerts as you and your partner get close.[18]
- Bill reminders that notify you or your partner when a payment is due.[14][18]
- Chat built into the app: send a quick reaction or ask your partner about a specific transaction.[14]
Good
Pricing
- Free[15]FreeHoneydue's help center says, "Honeydue is 100% free for everybody, and we don't block any features with a paywall."
- Monthly tip (optional)[15][18]Any amount from $1 to $10 a month through the App Store or Google Play. The help center says tips fund new features. The App Store lists $0.99 to $9.99.
- The whole app is free. The only paid thing is the optional tip, which can be changed or cancelled in the App Store or Google Play.[15]
“My husband and I have used this for years and genuinely love using it.”Read it where it was said ↗
4. Couples who want one shared view, not a splitter
What it is
A paid budgeting and net worth app that pulls every account into one place and lets a partner join under the same subscription.
Why it's on this list
Monarch is on this list because couples compare it, and to be clear: it is a shared view, not a splitter. Its couples page doesn't describe dividing an expense between two people. It does let a partner join under the same subscription at no extra cost, and two people can fund a shared goal from separate accounts. If you want to see everything together and work out the split yourselves, it fits. If you want it to do the split, it doesn't say it does.
What it does
- Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[25]
- Tracks net worth across all connected accounts.[23][25]
- Sorts transactions automatically and searches across every account in one list.[23][25]
Good
- A partner joins under the same subscription at no extra cost, with a separate login.[26][27]
- Two people can fund a shared goal even when their money sits in separate accounts.[27]
- Works on iPhone, iPad, Android and the web.[23][24][25]
- Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[23][24]
Not so good
- No free plan after the first week.[22][23]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[22]
- Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[22][23]
- A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[26][27]
Pricing
- Monthly[22][23]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
- Yearly[22][23]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
- Yearly Plus[22][23]$199.99 a yearShown only as an in-app purchase on the App Store. The pricing page says Plus adds forecasting tools, tracking several income sources like a small business, and deeper investment tracking.
- The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[22][23]
- No free plan is listed on the pricing page or the App Store. The only free access is the first week.[22][23]
“My wife loves being able to see every thing in one place. It took us 10 years to find this app. Thank you monarch!”Read it where it was said ↗
Tricount, Splid and Venmo
These three have no profile in our app database, so here is only what their own pages say.
Tricount
A free app for splitting shared costs. Its home page says you create a group, then "add an expense, choose who's included, and record who paid," and the app shows who owes what so friends can pay each other back. It says "Free. No ads. No limits." and "No ads or daily expense cap," and that it is available on iOS and Android. It also describes sending a payment request. The page doesn't describe uneven splits or what a partner sees. An optional bunq Card carries separate fees and terms.[3]
Splid
A free app too. Its site says "Simply enter all your expenses and Splid shows you who owes how much to whom" and "Splid is free!" You can start without signing up, work in an offline group or turn on sync to add expenses together, choose from more than 150 currencies, and download summaries as PDF or Excel files. iOS and Android download links are on the page. It doesn't describe uneven splits or whether it moves money.[4]
Venmo
A payment app, so the money moves. Its home page lists "Split group expenses" without saying how splitting works, and lists "Pay friends" and "Schedule payments."[1] Its App Store listing says you can send a payment request to multiple Venmo friends at once and customize the amount each person owes, and that Venmo Credit Card purchases can be split with friends. It shows 4.8 stars from 15M ratings.[2] The pages we read describe no standing monthly split between partners, no shared view and no partner privacy. See also Venmo vs PayPal.
Splitting when your incomes differ
If one of you earns more, a 50/50 split can take a bigger bite from the lower earner. Many couples split by income instead, so each pays the same share of what they bring home. Check what each app can do:
- Wonderful: Shared costs split evenly, by income, or any way you choose, and it keeps a running total of who owes whom.[7]
- Splitwise: Splits can be equal, or unequal by percentage, share or exact amount, with multiple payers on one expense. On Pro you can set a default split for a group, such as 55%/45%.[9][10]
- Honeydue: The App Store lists expense splitting and settling up, and emoji reactions to a partner's spending. The how-it-works page also describes a chat on specific transactions.[14][18]
- Monarch Money: The couples page does not describe splitting an expense between two people. It describes shared goals that two people fund from separate accounts, and tagging a partner to review a transaction.[26][27]
Tricount and Splid's pages don't describe uneven splits, and Venmo's lets you set the amount each person owes on one request. To get the numbers before you pick an app, the fair split calculator takes two take-home pays and gives each person's share, and the uneven incomes guide covers the thinking.
Settling up
There are two jobs: working out who owes whom, and moving the money. Most apps here do the first. Venmo does the second.
- Splitwise: Settle up by recording cash payments, or through Venmo and PayPal (US only).[8][10]
- Tricount: shows who owes what so friends can pay each other back.[3]
- Venmo: sends the payment.[1]
- Wonderful: keeps a running total of who owes whom; its pages don't say it moves money.
- Honeydue: its App Store listing lists settling up.[14][18]
If you pay each other by bank transfer or Zelle, the paying a partner back guide covers how to keep it clean.
What a partner sees
An app that works from typed expenses shows only what you enter. An app that reads your bank can show more, so the controls matter.
- Wonderful: Each person chooses, account by account, whether the other sees everything, only totals, or nothing.[6]
- Splitwise: Its pages don't describe what a partner sees.
- Honeydue: After you connect a bank, Honeydue asks what your partner can see: balances and transactions, balances only, or nothing.[16]
- Monarch Money: Both partners see everything. The page says, "both parties will have full visibility into all accounts and transactions associated with it," and tells people to check they are comfortable with that first. The help center adds: "You cannot hide bank accounts or transactions in Monarch."[26][27][31]
For more on this choice, see couples budgeting apps and privacy.
How to choose
Decide first whether you want a splitter or a budget. Then decide how much each of you wants the other to see.
Choose Wonderful if you:
- Want the split to run from your bank accounts, by income or evenly
- Want a running total of who owes whom
- Want to choose what your partner sees, account by account
- Are fine with a web app for now
Choose Splitwise if you:
- Are happy to type in costs
- Want uneven splits by percent, share or amount
- Can live with a daily limit on the free plan, or pay for Pro
Choose Honeydue if you:
- Want it free
- Want per-account privacy
- Mostly want to see each other's money
Choose Monarch Money if you:
- Have merged your money
- Are both fine seeing everything
- Will work out the split yourselves
Where Wonderful fits, and where it doesn't
We make Wonderful, so weigh this part accordingly. It fits two people who keep their own money and share some bills: the split runs from your bank accounts, by income if you like, and a running total shows who owes whom. It isn't the lightest tool for a one-off trip with friends (a typed splitter like Splitwise or Tricount is), it has no free plan after the first week, its pages don't say it moves money, and it runs in the browser rather than as an app store app. It costs $14.99 a month or $99 a year for both of you. For more on couples apps, see budgeting apps for couples.
Questions people ask
What is the best app to split bills with a partner?
It depends on whether you want a splitter or a budget. For a partner you share bills with every month, look for an ongoing split, a way to handle unequal incomes, control over what the other person sees, and a way to settle up. Wonderful covers those from your bank accounts; Splitwise covers the splitting from typed expenses.
Is there a free app to split expenses?
Splid says on its site "Splid is free!" and Tricount says "Free. No ads. No limits." Splitwise has a free plan with a daily expense limit that Pro removes, and its pages don't state the limit or the Pro price. Honeydue is free, with an optional tip of $1 to $10 a month. Wonderful and Monarch are paid after a free week.
Which app splits bills by income instead of 50/50?
Splitwise splits by percentage, share or exact amount, which you can set to match two incomes, and Pro can keep a default such as 55%/45%. Wonderful splits evenly, by income or any way you choose. The fair split calculator works out the numbers from two take-home pays.
What is a fair way to split bills with a partner?
Many couples split by income so each pays the same share of what they bring home, and others split evenly or keep a joint account. The ways couples split money guide lays out seven approaches, and the split calculator shows what each looks like with your numbers.
Do these apps move money between us?
Venmo is a payment app, so it does. Splitwise lets you record a payment, and says US users can settle through PayPal or Venmo in its mobile app. Tricount shows who owes what so friends can pay each other back, and can send a payment request. Wonderful keeps a running total of who owes whom; its pages don't say it moves money.
Can I split bills with my partner without sharing a bank account?
Yes. Splitwise, Tricount and Splid work from expenses you type in, so no bank is connected. Honeydue lets each person choose, account by account, what the other sees, and Wonderful lets each of you choose everything, totals only or nothing.
Does Splitwise have a limit on free use?
Splitwise's Pro page sells unlimited expenses each day, which means the free plan has a daily limit. No Splitwise page we read gives the number, and App Store reviewers in September and October 2026 give 3 to 5.
What does Splitwise Pro cost?
The Splitwise pages we read don't state it. The App Store lists several Splitwise Pro purchases at $2.99, $3.99, $4.99, $29.99 and $39.99 without saying which plan each is, so check the price in the app before you buy.
Can Venmo split bills?
Venmo's home page lists "Split group expenses," and its App Store listing says you can send a payment request to several friends at once and set the amount each owes. The pages we read describe no standing monthly split or shared view between partners.
Do I need an app to split bills with my partner?
No. Many couples use a monthly transfer or a shared account. An app helps when the split is uneven, when costs come from different accounts, or when you want a running total of who owes whom.
Sources
32 sources · read October 27, 2026
Every number on this page comes from venmo.com, apps.apple.com, tricount.com and 10 more. If a source has changed since, the source is right.
- 1Venmo home pagevenmo.com
- 2Venmo on the App Storeapps.apple.com
- 3Tricount home pagetricount.com
- 4Splid home pagesplid.app
- 5Wonderful terms of servicewonderful.money
- 6Wonderful privacy policywonderful.money
- 7Wonderfulwonderful.money
- 8Splitwise home pagesplitwise.com
- 9Splitwise Pro pagesplitwise.com
- 10App Store listing, Splitwiseapps.apple.com
- 11App Store reviews, Splitwiseapps.apple.com
- 12Trustpilot, splitwise.comtrustpilot.com
- 13Honeydue home pagehoneydue.com
- 14Honeydue: How it workshoneydue.com
- 15Honeydue help: How does Honeydue earn moneysupport.honeydue.com
- 16Honeydue help: Will my partner see my accountssupport.honeydue.com
- 17Honeydue Joint Cashhoneydue.com
- 18Honeydue on the App Storeapps.apple.com
- 19Honeydue on Google Playplay.google.com
- 20Apple public review feed for Honeydueitunes.apple.com
- 21Honeydue help: Account issues and inviting a partnersupport.honeydue.com
- 22Monarch pricingmonarch.com
- 23Monarch on the App Storeapps.apple.com
- 24Monarch on Google Playplay.google.com
- 25Monarch home pagemonarch.com
- 26Monarch for couplesmonarch.com
- 27Monarch collaborationmonarch.com
- 28Monarch budgetingmonarch.com
- 29Monarch planningmonarch.com
- 30Apple public review feed for Monarchitunes.apple.com
- 31Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 32Trustpilot, www.monarchmoney.comtrustpilot.com
App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.