2026 comparison

Best budget apps for couples in 2026: the comparison

No app is perfect for every couple: some split expenses, some track a budget, others are actual bank accounts. This comparison sticks to what each company publishes, and says who each app suits best.

In short

  • To know who owes whom: Tricount and Splitwise. For a couple budget with bank connection: Honeydue or Bankin’.
  • For a shared bank account: Sumeria offers shared accounts. To split expenses and track a budget without a bank connection: SAVY.
  • Splitwise’s free plan caps the number of expenses a day, with no official number published; Tricount is free, ad-free and unlimited, but has no budget feature.
  • SAVY is this site’s app: we compared it on the same criteria as the others.

Our criteria

We compared the apps on five points that matter to couples: a budget (monthly or per-category limit), splitting expenses between partners, what the free plan includes, availability in French, and whether you need to connect your bank.

Information comes from each company’s official website, checked in November 2026. When something is not published, the cell shows a dash. Features and prices change: check the company’s site before choosing.

The comparison table

Couple budget apps compared (November 2026)

SAVY

Budget
Yes: overall monthly budget (free), per category (Plus)
Splitting expenses
Yes: equal (free), %, shares, amounts (Plus)
Free plan
Yes, no ads, unlimited expenses
In French
Yes
Bank connection
No

Tricount

Budget
No
Splitting expenses
Yes: equal, adjusted shares, amounts
Free plan
Yes, no ads, no limits
In French
Yes
Bank connection
Optional (bunq card)

Splitwise

Budget
No (category charts in Pro)
Splitting expenses
Yes: equal, unequal, %, shares
Free plan
Yes, with a daily expense cap (no official number published) and ads
In French
Yes
Bank connection
No (card import in Pro, US only)

Honeydue

Budget
Yes, monthly limit per category
Splitting expenses
—
Free plan
Yes, free (optional tips)
In French
—
Bank connection
Yes, account linking

Bankin’

Budget
Yes, per category
Splitting expenses
No
Free plan
Yes (paid Plus and Pro plans)
In French
Yes
Bank connection
Yes, account aggregation

Sumeria

Budget
Yes, budget accounts
Splitting expenses
No (repayments in the Lydia app)
Free plan
Yes, a €0 plan
In French
Yes
Bank connection
No: it is a bank account

Sources: tricount.com, splitwise.com/pro and Splitwise Pro FAQ, Honeydue help on budgets and on its free model, bankin.com, sumeria.eu.

Who each app is best for

Tricount: to split costs simply, for free

Tricount is free, ad-free and has no expense limit, and lets you adjust each person’s share. It is widely used for trips and group outings. It has no budget, though: it tells you who owes what, not how much is left to spend this month. See also our Tricount alternative page.

Splitwise: for complex splits

Splitwise handles equal, unequal, percentage and share-based splits. But the free plan caps the number of expenses a day, with no official number published, and shows ads; a default split for a couple (for example 55/45) is part of Splitwise Pro. See Splitwise alternative.

Honeydue: for couples who want to link accounts

Honeydue is built for couples and relies on linking bank accounts. It lets you set a monthly limit per category, with an alert. The company says it is free for everyone, funded by optional tips. See Honeydue alternative.

Bankin’: to track all your personal finances

Bankin’ aggregates your bank accounts and categorizes transactions, with a budget per category. It is a personal finance tool: it does not work out who owes whom. See Bankin’ alternative.

Sumeria: for an actual shared account

Sumeria (formerly Lydia) is a French bank account. It offers shared accounts for two or more people, with a card available for each holder. It works if you want an account for bills; you still need to agree how much each of you puts in.

SAVY: to split expenses and track a budget, no bank

SAVY covers both needs: who owes whom, and a household budget with alerts at 80, 90 and 100%. Recurring expenses, several households (couple, house share, trip; 1 household of your own on Free, unlimited with Plus; you can join the ones you’re invited to), no bank connection, no ads. On the free plan, expenses are split equally and the budget is overall; custom splits (by income, 60/40) and category budgets are part of SAVY Plus, one subscription for the whole household. The downside: there is no automatic transaction import, you add expenses yourself.

How to choose in 3 questions

  1. Do you want to connect your banks? If yes, look at Honeydue or Bankin’. If not, Tricount, Splitwise or SAVY.
  2. Do you need a budget, or just to know who owes what? For balances only, Tricount is often enough. For a budget too, SAVY, Honeydue or Bankin’.
  3. Are your incomes different? Splitting by income needs an app that handles unequal shares: Tricount, Splitwise or SAVY Plus. To set the percentages, use our split by income calculator.

Frequently asked questions

What is the best app for a couple budget?

It depends on what you need. To know who owes what, Tricount or Splitwise. To link your bank accounts, Honeydue or Bankin’. To split expenses and track a budget without a bank connection, SAVY.

Is there a free budget app for couples?

Yes. Tricount is free with no limits, Honeydue says it is free for everyone, and SAVY is free and ad-free with unlimited expenses. Splitwise has a free plan that caps the number of expenses a day, with no official number published.

Which couple budget app works without a bank connection?

Tricount, Splitwise and SAVY work without connecting a bank. SAVY adds a monthly budget with alerts and recurring expenses.

Is this comparison neutral?

SAVY is made by the publisher of this site. To stay honest, we only use information published by each company and leave a dash when something cannot be verified.