Best Budget Apps for Couples in 2022 | Savings and budgeting

Managing your money can be hard enough when it’s just you. Add another person with their own expenses, accounts, and spending habits, and it becomes even harder to track expenses and stay within budget.

Fortunately, there are a range of budget apps for couples that you can share with your spouse or significant other to stay on the same page financially. Here are the 7 best budget apps for couples in 2022:

  • mint: Ideal for controlling expenses.
  • Honeydue: Ideal for couples who do not want to discuss money.
  • good budget: Ideal for couples who like the envelope system.
  • Personal capital: Ideal for couples who want all the bells and whistles.
  • Taller: Ideal for couples who talk in spreadsheets.
  • Monarch: Ideal for couples who value intuitiveness and a great user experience.
  • YNAB: Ideal for couples who like the zero-based budgeting system.

Best for: control expenses.

If you’ve ever been surprised by your dwindling checking account balance or higher than expected credit card balance, the Mint app might be for you. This free app, available through the App Store and Google Play, tracks and displays your income, savings goals, and credit score. Moreover, it can synchronize your bank accounts and credit cards. Mint lists your expenses, categorizes them and sends you alerts when you exceed your budget. While the app isn’t technically a budget app for couples, Mint’s option to sync multiple accounts and cards can be a great resource for couples. Another cool feature: it lets you know when bills are due, and it lets you know when you might be paying too much for certain things, like cable and internet.

Best for: couples who don’t want to discuss money.

“How much did you spend? or “What did you buy?” These are issues that arise between couples who share their financial resources, and they can cause friction in any relationship. The Honeydue app acts as a neutral third party that will send alerts when you or your partner reach their spending limits in certain categories, hopefully removing the need for those contentious conversations. Here’s how it works: you choose which accounts to sync with the app and your spending limits on different item categories, then Honeydue will track your spending. This free app, available on the App Store or Google Play, also lets you see your financial situation at a glance, from savings goals to billing deadlines.

Best for: couples who like the envelope system.

Have you ever heard of the envelope system? This budgeting system where users designate different amounts of money in different budget categories, from groceries to discretionary spending. With the envelope system, you would then store the money in the various classified envelopes and use them when shopping for groceries or clothes. It acts as a physical brake on your spending, unlike a credit or debit card, since you can only spend what’s in the envelope. Goodbudget, available on the Apple Store or Google Play, is the digital alternative, allowing you up to 20 digital envelopes to stay within your budget. If you want more skins and features, you’ll need the paid version of the app, which costs $8 per month. Keep in mind that this app is not linked to your accounts, so you will need to manually enter your amounts.

Best for: couples who want all the bells and whistles.

If you want to take your budgeting app game to the next level, you might be interested in Personal Capital. This free app, available on the Apple Store and Google Play, offers a wide range of tools for everything from managing your budget to tracking your wallet balances. The dashboard view of this app is excellent, giving you a financial overview of your net worth, retirement savings, emergency fund and more. As for budgeting, it lets you sync your accounts to track your spending, and it will send you alerts when bills are coming due and even if you overpay. This app has it all, offering help with managing your investments, planning for retirement, and tracking your net worth.

Best for: couples talking in spreadsheets.

Some people have never come across a spreadsheet they don’t like. If Excel and Google Sheets are your jam, then the Tiller app might be for you. But to be clear, Tiller isn’t technically an app. Like these other budgeting tools, however, Tiller lets you connect your credit cards, bank accounts, and investments to a spreadsheet. After that, it offers templates that will help you create a budget in the first place, as well as track your expenses. Keep in mind that although this app is free for the first 30 days, after that it charges $79 per year or $6.58 per month to use it.

Best for: couples who appreciate intuitiveness and an excellent user experience.

Couples who use the Monarch app can’t say enough about its design. This app, available on the Apple Store and Google Play, keeps track of all your accounts and investments in one place and helps couples formulate plans to reach their savings goals. When it comes to budgeting, the Monarch lets you set your own budget, but it will warn you when you go over the limit. Their budget tool also allows you to plan larger expenses and test different budget scenarios to see how they play out in the long run. Monarch is free for the first 30 days and will charge $9.99 per month thereafter.

Best for: couples who like the zero-based budgeting system.

It’s in the name. You Need a Budget, also known as YNAB, is an app that offers its users a basic yet good budgeting tool. Based on the zero-based budgeting system, this app was founded on four principles: allocate every dollar of your budget, break down big bills to create monthly goals to fund them, don’t worry about overspending, and be determined when you spend by spending money that is at least 30 days old. This popular app, available on Apple Store and Google Play, is free for the first 34. And according to its website, YNAB helps new budgets save $600 in the first two months and over $6,000 in their first year.

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