11 Best Budget Apps for Couples to Get Their Financial House in Order

    11 Best Budget Apps for Couples to Get Their Financial House in Order

    Managing finances can be challenging for any household, but it’s especially difficult when two incomes and spending habits need to be coordinated. That’s where the best budget apps for couples come in.

    budgeting apps allow spouses or partners to work together on a budget in real-time from anywhere. They provide transparency around money flows, facilitate goals and planning for shared expenses like vacations or a home down payment.

    In this post, I’ll explore 11 top-rated budget apps designed with couples in mind. Each offers features like joint account access, budget templates for shared bills and savings goals, and messaging to discuss purchases or changes. Let’s dive into the options.

    1. Mint (Recommended for basic shared budgets)

    Perhaps the most well-known personal finance app, Mint also excels for couples budgeting. It automatically imports transaction data from your connected bank and credit card accounts to provide a full picture of inflows and outflows.

    Mint makes sharing access to accounts and budgets simple. Spouses can view each other’s accounts and transactions, set up joint or individual budget categories tailored to your expenses, and receive notifications about spending and balance alerts.

    The app is free to use and very user-friendly. However, some users report the budgeting features could offer more customization. Mint is best for getting a general sense of finances without too much hands-on budget crafting.

    2. You Need A Budget (YNAB) (Best for detailed budgets)

    YNAB takes a tried-and-true envelope budgeting method and brings it into the digital age. With its “Give Every Dollar a Job” methodology, you manually assign each dollar of your income to specific expense categories.

    As a web-based service, YNAB makes budgeting as a couple seamless. Spouses have independent logins but shared access to view and modify the budget. Transaction import is manual, keeping you engaged in the budgeting process.

    YNAB lacks some convenience features of other apps, but it excels at getting granular with your money allocations and goals. The detailed reporting helps couples pinpoint spending patterns and areas for improvement. At $84 per year, it may not be for casual budgeters.

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    3. Goodbudget (Great for budget collaboration)

    Goodbudget brings together the simplicity of Mint with the engagement of YNAB. Like YNAB, you allocate every dollar of your income proactively across budget categories.

    But Goodbudget goes further by facilitating real-time collaboration. Couples can comment on transactions, discuss budget changes, and assign “accountability partners” through an integrated chat feature. Budgets are visible to sharing partners at all times.

    The app interface could feel a bit dated compared to competitors. However, Goodbudget prioritizes the social budgeting experience for partners above flashy design. It makes coordinating finances a collaborative process.

    4. EveryDollar (Best free option for couples)

    Developed by Dave Ramsey, EveryDollar brings his style of zero-based budgeting to the digital world. You assign each dollar of income to specific job categories like housing, food, savings, etc. leaving no dollars unassigned.

    As a free web and mobile app, EveryDollar removes budgeting financial barriers for couples. Spouses can view joint incomes, expenses, and savings goals on any device simultaneously. Messaging keeps budget discussions flowing.

    Manual transaction tracking takes more effort than linked accounts in other apps. But EveryDollar provides solid budget basics without a subscription fee upfront. Excellent for new couples just starting to align finances.

    5. Honeydue (Top-rated for marriage finances)

    Designed from the ground up for couples, Honeydue aims to strengthen relationships through shared money management. Beyond basic budgeting, it guides conversations around financial values, debt, and long-term goals.

    Spouses each create a profile to set savings targets like vacations, a house fund, or retirement. Partners then work collaboratively in the app to allocate income to these shared goals in real-time.

    Monthly check-ins help gauge financial wellness over time. While transaction tracking is manual, Honeydue excels at the interpersonal aspects of budgeting as spouses. Its thoughtful features make budget discussions more meaningful.

    6. Tiller (Best for budget templating)

    Tiller Budget bills itself as “Mint on Steroids” with its powerful but intuitive budget creation tools. You can build custom budgets from scratch or modify templates for things like utilities, groceries, recurring bills and more.

    For couples, the planning horizon extends beyond monthly budgets. Tiller helps craft long-term shared financial plans around education funding, home buying timelines, and retirement projections. Spouses each get their own login and view access.

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    The desktop interface requires more technical know-how than mobile-first options. But Tiller proves especially useful for serious budget nerds or those with complex financial lives to optimize together.

    7. HomeBudget (Top choice for shared expenses)

    HomeBudget zooms in on the transaction and bill components of household budgeting that impact couples most directly. Easily track utilities, mortgage/rent, wireless plans, streaming services and more with custom frequency and due dates.

    Partners can view or modify shared expenses, split costs equitably, and receive timely payment reminders together. Transactions sync seamlessly between all linked devices for real-time access.

    While light on budgeting features beyond bills, HomeBudget simplifies the process of coordinating regular shared expenses that cause resentment if not coordinated. It brings needed visibility to these routine costs.

    8. DoughRoller (Great tutorials for newbies)

    DoughRoller started as a personal finance blog and crafted this beginner-friendly app to bring its budgeting advice to users directly. In addition to basic budget and spending tracking, it includes a library of how-to articles and videos.

    This educational component proves valuable for couples just learning to budget together. spouses can work through tutorial content jointly on the couch or at separate times on their own devices. The app nurtures financial collaboration and growth.

    While lightweight on collaboration tools compared to others, DoughRoller helps less experienced partners establish budgeting best practices through its informative material.

    9. Simplifi (Top-rated for easy goals)

    Simplifi aims to declutter personal finance with an intuitive goals-based approach to budgeting. You and your spouse create savings targets together like vacations, cars, or home renovations then allocate dollars toward each monthly.

    The app automatically divvies incomes across budget categories to stay on track. Progress updates keep goals feeling engaging for partners. Transactions seamlessly tie to the right categories with one tap.

    Simplifi proves adept at motivating couples financially through easy goal-setting. Its streamlined interface also helps casual budgeters stick to the habit without complexity. Ideal for partners new to serious budget coordination.

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    10. Weducoin (Encourages financial teamwork)

    With a gamified points and rewards system, Weducoin motivates spouses toward financial teamwork. Earn coins through habits like paying bills on time, discussing budgets weekly, or increasing savings rates.

    Use points toward shared prizes or redeem them for donations. Transaction and budget tracking integrate too. But the centerpiece lies in incentivizing positive cooperative money habits through friendly competition and recognition between partners.

    While lighter on technical budget features, Weducoin effectively holds couples accountable to collaboration best practices with its engaging digital token economy. Fun incentivization psychology at play here.

    11. SmartyPig (Top rewards savings app)

    Not focused on budgeting per se, but SmartyPig facilitates joint savings between couples in a compelling way. Allocate dollars toward shared goals like vacations, home projects or gifts, and watch rewards multiply those dollars through lucrative interest rates.

    Partner logins can view progress and chat about goals. The site transfers growing balances securely to linked external bank accounts when targets are reached. Savings gamification through high rates and visual progress motivate couples financially.

    SmartyPig injects an element of excitement around joint savings that other budgeting tools overlook. With new accounts opening at 12-month CD interest rates or higher currently, it delivers real rewards.


    In conclusion, each of these apps aim to strengthen couples financially through transparency, common goals, and streamlined collaboration. Choosing the right fit depends on technical prowess desired, budget customization needs, and priority on tracking, planning or education.

    Proper budgeting requires ongoing commitment between partners through open communication and compromise. But these tools positively impact communication by surfacing spending habits and facilitating discussions in an engaging context.

    Financial alignment serves as a foundation for long-term relationship health and shared dreams. Starting from a place of cooperation paves the way. I hope highlighting these 11 top budget apps provided ideas to get your fiscal house in order as a team. Let me know if any other questions come up!



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