Managing money as a couple is challenging. The right app can help—but most "couples" finance apps are either too complicated, too invasive, or too expensive.
What Couples Actually Need
After talking to hundreds of couples, we found they want:
- Simple way to see combined spending
- Ability to keep some transactions private
- No need to share bank passwords
- Works across iPhone and Android
- Affordable (or free)
Top Apps Compared
1. Pocket Clear (Best Overall)
| Bank Linking | Not required ✅ |
| Partner Mode | Yes, with 6-digit code |
| Privacy Controls | Tag as Me or Partner |
| Price | Free / $0.99/mo Pro |
| Ads | Never |
Best for: Privacy-conscious couples who want simplicity.
2. Honeydue
| Bank Linking | Required |
| Shared View | Yes |
| Privacy | Limited |
| Price | Free with ads |
Best for: Couples comfortable with bank linking.
3. Splitwise
| Purpose | Splitting bills |
| Expense Tracking | Limited |
| Price | Free / $4.99/mo Pro |
Best for: Roommates splitting specific expenses.
4. YNAB
| Couples Support | Shared login only |
| Complexity | High learning curve |
| Price | $14.99/month |
Best for: Serious budgeters with time to learn.
Why Pocket Clear Wins for Most Couples
- Instant setup: Share a code, you're linked
- Three views: Me, Partner, Combined
- Privacy by design: No bank access needed
- Affordable: Pro is just $0.99/month
- Cross-platform: Works on iOS and Android
Start Tracking Together
Download Pocket Clear free. Simple expense tracking for couples and expats.