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Best apps for couples to split expenses: 10 ranked for two

October 7, 2026 · 12 min read · Dimesum Engineering

A couple splits the same rent and bills every month, often at a ratio like 60/40, and most splitting apps are built for a group that splits a dinner once. Ten apps ranked on a saved income split, rent that repeats, and what two people pay.

Mei earns €4,200 a month and Tomás earns €2,800. They split the €1,500 rent 60/40, so Mei pays €900 and Tomás pays €600, and the app they pick has to remember that every month without either of them retyping it. Dimesum does that for free, which is why it ranks first among the apps for couples to split expenses below.

Many splitting apps are built around a group that divides a dinner evenly and goes home. A couple is different: the same two people, the same rent, the same bills, month after month, often at a ratio that is not 50/50. This list ranks ten apps on the three things that matter for two, and links out to the guides for the money conversation itself.

What a couple needs from a splitting app that a group can skip

A trip with friends needs an app that can handle ten people and four currencies for a week. A couple needs something narrower, and needs it to hold for years.

1. A weighted split that stays put. If you split by income, the ratio should be saved on the bill, so 60/40 posts as 60/40 every time and nobody does the percentage in their head.
2. Rent that repeats on its own. The biggest bill arrives on the same day every month. An app that makes you enter it twelve times a year will be abandoned by March.
3. No subscription for two. A couple is the smallest group there is. Paying a monthly fee each to keep a score between two people is the fastest way back to a notes app.

Everything else, the history of edits, the settling, the exit, still matters. Those are covered in the ranking of shared-expense trackers, and this list leans on the three above.

A 60/40 split by income, worked on one month

Here is Mei and Tomás's month. Their combined take-home pay is €7,000. Mei's share is €4,200 of it, which is 60%, and Tomás's €2,800 is 40%.

Four bills land. Mei pays the €1,500 rent because the lease is in her name, and €160 for energy and internet. Tomás pays €450 for the month's groceries on his card.

Mei paid €1,660 and her share is €1,266, so she is owed €394. Tomás paid €450 and his share is €844, so he owes €394. One transfer of €394 from Tomás to Mei squares the month.

Nobody had to work that out by hand. In an app that saves the ratio, each bill posts at 60/40 the moment it is entered, and the balance at the end of the month is the only number either of them needs to read. The reasoning behind the ratio, and the case for fifty fifty, is in splitting bills with a partner.

When a salary changes, update the weights once

Ratios drift. Say Tomás gets a raise to €3,200 a month. Their combined pay is now €7,400, and the old 60/40 quietly overcharges Mei.

The simplest fix is to use the incomes themselves as the weights. Mei's weight is 4,200 and Tomás's is 3,200. The €1,500 rent now splits €851.35 and €648.65, which adds back to €1,500.00 exactly.

In Dimesum you change the weights on the repeating rent once, and every month after that posts at the new split. The months before keep the old one, because they happened at the old salaries. If you correct a bill that was already wrong, the edit restates the split and keeps the earlier version on the record; why an edit must restate its split explains the reasoning.

Not every bill is 60/40

Most couples who split by income still split some things evenly. A dinner out for €64 is often €32 each, because both of you ate the same meal. Tomás's gym membership is his alone, and so is Mei's phone bill.

That means the app needs a different split on each bill, with the 60/40 as the default rather than the only option. Dimesum lets each bill carry its own split: equal, exact amounts, percentages or shares. If you split a restaurant bill by what each person ordered, how to split a restaurant bill fairly covers the method.

Utility bills are their own question, since one of you may work from home and run the heating all day. Splitting utility bills works through usage against a flat ratio.

Ten apps for couples to split expenses, on what matters for two

Every competitor fact below comes from our research cut of August 2026: store listings, the companies' own pricing and terms pages, a public feedback forum, and dated reviews. Where our source does not cover a test, the table says so.

The best apps for couples to split expenses, ranked

1. Dimesum

Dimesum keeps a running record of who paid and who owes, for two people or fifty. Each bill carries its own split, so rent can post at 60/40 while dinner posts at 50/50, and a repeating bill such as rent posts itself every period with the weights you saved. The ledger is free for both of you, with no daily limit on bills.

An edit restates the split and keeps the earlier version on the record. Balances are kept per currency, which matters for a couple who live across a border or travel often, and a pair settles in a single transfer. Dimesum never holds money: it shows payment doors such as PayPal, Wise, Revolut and bank transfer by IBAN, and you pay from your own app.

The limitation: Dimesum is new. It runs in the browser at app.dimesum.com, and the Android and iOS apps are in closed testing.

2. Splitwise

Splitwise keeps a running record between friends and in groups, on phones and the web, and our source lists recurring bills among its features. Saved default splits are a Pro feature as of August 2026, alongside unlimited expenses, an ad-free app, currency conversion and search; Splitwise's help page on Pro describes each one. US in-app prices for Pro were $2.99, $3.99, $4.99, $29.99 and $39.99.

Two limits matter for a couple. Splitwise's help centre says a free account can add up to 4 expenses each day, as of 7 October 2026, and a two-star App Store review from Great Britain, on version 26.5.4, says "EVERY member of a group needs a subscription." On Splitwise's public feedback forum, a request for a family or couples' account had 501 votes on 22 August 2026, marked as started, with multiple emails on one account and no automatic two-way share.

In the US, the Splitwise Card is a Mastercard debit card from Coastal Community Bank that splits each purchase at the till in a ratio you set, and it comes with unlimited expenses without Pro. Stay where you are if both of you already pay for Pro; if the daily limit is the problem, read what Splitwise's daily limit means and the Splitwise alternatives list.

3. Tricount

Tricount keeps a running record for shared costs and is free as of August 2026, since its Premium tier was withdrawn. It is owned by bunq, a bank, which bought it in 2022.

Our source does not cover whether Tricount saves an income split or repeats a bill. For a couple, that is the test to run in the first ten minutes. Our Tricount alternatives post compares the options.

4. Settle Up

Settle Up sells a subscription and, as of August 2026, a per-group purchase that any one member can buy for everyone, priced from $5.99 a week to $149.99 once. For a couple, that means one of you can pay for both.

Our source does not record how it handles weighted splits or repeating rent. The Splid and Settle Up alternatives post sets it against the others.

5. Splid

Splid is sold as one in-app purchase of $3.99, with no ads and no subscription, as of August 2026. Our source does not say whether it saves an income ratio or repeats a bill.

A one-off price fixes the cost for two people. Try a 60/40 rent entry before you commit a year of bills to it.

6. Spliit

Spliit is a free, open-source expense tool that runs in a browser or on a server you host. As of August 2026 the project reported about $1,300 a year in income, 92% of it from its founder's own donation.

Our source does not cover its split modes or repeating bills. For a couple who would rather run their own copy, the trade is that continuity rests largely on one person.

7. Monzo Split

Monzo Split sits inside Monzo and was rebuilt in March 2025. As of August 2026 it keeps a running record with unlimited expenses and partial settlement, and a guest joins by link without a Monzo account or a UK address.

Our source does not cover income splits or repeating bills in Monzo Split. If both of you already bank with Monzo, the feature sits in an app you already use; our comparison of bank split features covers what it leaves out.

8. Revolut Group Bills

Revolut Group Bills sits inside Revolut, has run since August 2020, and handles groups of 2 to 20 people with a feature Revolut calls Smart Settle. Revolut's terms say "we do not currently charge a fee," and since about mid 2025 a person without Revolut can take part through a web page.

Our source does not say whether it saves a weighted split or repeats rent. The condition for a couple is that at least one of you holds a Revolut account.

9. Venmo Groups

Venmo Groups has been live since 14 November 2023 and keeps running balances for up to 30 people. It works in the United States only, and both of you need Venmo.

Our source does not cover split ratios or repeating bills. For a couple outside the US, or with one partner abroad, it is not an option.

10. Tab

Tab is free, and how it makes money is not published. As of August 2026 its Android app had not been updated since May 2023.

Rent repeats for years, so a couple should weigh that gap before putting a lease's worth of bills into it. Our source does not cover its split modes.

An app or a joint account?

Plenty of couples skip the app and open a joint account. It is a real option, and it answers a different question: where the shared money sits. It does not say who owes what when one of you pays a shared bill from a personal card.

Many couples run a hybrid: a joint account for rent and bills, each funded at 60/40, and personal cards for everything else. The app then only has to catch the exceptions, like the groceries Tomás bought on his own card. Joint bank account or separate works through the three arrangements with numbers.

If you share rent with flatmates as well as a partner, the ratio question gets harder; splitting rent by room and income and the rent split apps comparison cover it.

Stay where you are if these facts hold

Switching apps costs an evening and a little goodwill. Some setups have no reason to move.

If both of you already pay for Splitwise Pro and the default split does what you need, the daily limit does not touch you. If someone has already bought Settle Up's group purchase for the two of you, nobody is paying again. If you both bank with Monzo or Revolut and every shared bill goes through that bank, its split feature sits where the money already is.

If none of those hold, moving the history matters more than the app you pick. How to move your group off Splitwise covers the export, and a couple who keep their record in a spreadsheet should read spreadsheet or app for shared expenses first.

Set it up in twenty minutes

1. Agree the ratio out loud. Write the two incomes down and turn them into weights, or agree fifty fifty on purpose.
2. Create one group for the two of you and enter the rent as a repeating bill with those weights.
3. Add the other fixed bills the same way: energy, internet, insurance.
4. Enter last month's groceries and one dinner, with the dinner split equally, to see both splits side by side.
5. Pick a day each month to settle the one transfer that squares you, and a date to revisit the ratio when a salary changes.

Before you put a relationship's worth of bills into any app, check what it keeps about you; our privacy questions for expense sharing apps lists what to ask. Couples who split across two currencies should also read the guide to multi-currency expense splitting apps.