# Chip In - Couples Finances — Top AI Finance App for Couples > AI-powered couples finance app for shared budgeting, tracking, and insights. (iPhone/iPad app by MRB Consulting Services, LLC..) - Source: https://appshunter.io/ios/app/chip-in-couples-finances/id6749518366 (this page in markdown: same URL + `.md`) - Developer: [MRB Consulting Services, LLC.](https://appshunter.io/developer/1830897559) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 5.00/5 from 4 App Store ratings · 3 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 286 MB - Released: 2025-09-07 - Data updated: 2026-09-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/chip-in-couples-finances/id6749518366/reviews.md ## What is Chip In? Chip In is the couples finance app that turns shared money into a shared picture. Our customers save an average of $25–120 per month. Imagine ALL of your accounts—checking, savings, investments, loans, credit cards—in one platform! Start free: connect one account through Plaid and get 2 full years of history. A small subscription unlocks every account, enriched real-time investment data, full Chip In Intelligence, and account refreshes whenever you need them. FINANCIAL SYNC • Plaid-powered connections to thousands of institutions—your credentials never touch our servers • 1 synced account free, with 2 full years of transaction history • Transactions, subscriptions, and income refreshed automatically, updated near-hourly • Premium: connect all your banks, cards, loans, and brokerages, plus on-demand account refreshes INVESTMENTS • Fully enriched FMP investment dashboards powered by real-time market data • Accounts, holdings, and securities in one view • Advanced charting with filters, top and worst movers, and dozens of data points per stock • Export all your latest data to CSV or Excel CREDIT CARDS & LOANS • Payoff outlook—we predict when each card and loan will be paid off based on how you actually pay • Statement cycle and grace period data for every card, so you know exactly when interest kicks in • We tell you when interest-saving balances expire, before they start costing you • Update balances, rates, and due dates manually whenever your institution lags behind CHIP IN INTELLIGENCE • Ask anything in natural language and get advanced reasoning with full conversation context • Investments, income, expenses, subscriptions, balances, manual transactions, outliers, health and wellness spending, how to save—nothing is off limits • Answers arrive with tables and charts • Export any answer to PDF, image, or CSV PARTNER INTELLIGENCE • Mention your partner by name and the AI automatically brings both sets of finances into context • Ask about splits, sharing, and who owes what • Compare you vs. your partner side by side RECURRING TRANSACTIONS • Subscriptions, bills, and income tracked and synced daily • See what's current, what's coming, and what changed FORECASTING • Upcoming bills and income broken down by day, week, and month • Your next major expenses and your next paydays, front and center • Spending habits by category and frequency • Predictive payday amounts driven by advanced algorithms SPLITS & SHARING • One-tap splits—50/50, custom amounts, or proportional to your salary • Category breakdowns show exactly where shared money goes • Invite your partner in seconds and share only the accounts, transactions, subscriptions, or bills you choose PAYMENTS • Settle up through Venmo, Cash App, or record cash and check payments • Reversible—change your mind and undo the payment record before money moves RECEIPTS • Snap a paper receipt and document-AI builds the transaction for you • Perfect for cash purchases and anything your bank doesn't see SECURITY • Zero credential storage • One-time-password sign-up • Encrypted cloud architecture and the latest secure protocols REAL-TIME ALERTS • Know the moment a sync stalls, an institution needs re-authentication, or anything else needs your attention FREE VS. PREMIUM • Free: 1 Plaid-synced account with 2 full years of history, daily sync, splits, sharing, payments, receipts, and alerts • Premium: every account you own, enriched FMP investment dashboards with real-time market data, full access to Chip In Intelligence and Partner Intelligence, and account refreshes on demand • Chip In Intelligence runs on OpenAI's latest GPT models—leading edge, and priced fairly for what they cost • We believe in leading the AI race for financial apps • Cancel anytime—no phone calls, no chatbots, no hassle Manage or cancel your subscription anytime in the app or in your Apple subscription settings. Terms of Use (EULA): https://coupleschipping.in/mobiletermsofservice Support: support@chipin.mobi ## Key features - AI-powered financial intelligence - Partner finance integration - Automatic daily transaction sync - One-tap transaction splits - Receipt scanning for transactions - Forecasting and spending breakdowns ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly Subscription | $9.99 | per month | | Yearly Subscription | $99.99 | per year | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/chip-in-couples-finances/id6749518366/reviews.md ### 5/5 — Amazing app and amazing customer service *2026-03-17* This app is exactly what I was looking for especially for a free version. It’s integrated with Plaid to help me keep up with where my finances stand and gets to the most important point (even for the next 14 days), “after your upcoming bills you have $x amount of money.” It did all the work for me and pulled all reoccurring charges and our salaries and has it all laid out in easy to read format. I am also able to link all my credit cards and see what those balances/transactions are looking like as well in real time. The owner of the app was so helpful and went out of his way to correct an issue I was having with my credit union account connecting. I am so pleased with everything as a whole. I highly recommend if you want to take better control of your finances! **Developer response:** We greatly appreciate you taking the time to leave us a review. We pride ourselves on being extremely responsive as our customers are #1. Without you we are nothing! ~Chip In Team ### 5/5 — Gunner *2026-01-12* Wow!! this is exactly what my partner and I needed. Chip In has shown us exactly where our money is going as well as reoccurring chargesWe no longer need. This has allowed us to save money!!! I highly recommend this app! ### 5/5 — Free with powerful AI options! *2026-01-09* It covers all the bases. My transactions come through minutes later in my most active account. No one single expense gets by me. It even tells me how much I can spend before my next payday! And with AI I can literally ask it questions such as “did I have any unusual expenses or subscriptions this past year?”. The app is free for connecting all of my bank and credit cards, I can’t say that about 99% of the other apps. They also seem to push updates weekly which is super important to me. I don’t want to waste my time with an app that’s never updated loaded with old bugs. How can you go wrong? It’s free! **Developer response:** We greatly appreciate your business and taking the time to leave us a review. We also pride ourselves on being the best financial app out there that lets you connect all your bank, credit card, and loan accounts for free, with no catch! And love that you are using our paid AI features. ~Chip In Team ## Frequently asked questions about Chip In ### How secure is Chip In? Chip In prioritizes security by using Plaid for read-only financial transaction data. It does not store authentication credentials and ensures no information is shared publicly, offering bank-grade security. ### What are the subscription costs for Chip In? Chip In offers a monthly subscription for $14.99 or a yearly subscription for $99.99. All features except financial intelligence are available for free. ### Does Chip In have ads? Yes, Chip In contains advertisements. As a free app with in-app purchases, it utilizes ads to support its services. ### How often is Chip In updated? The latest version of Chip In is 2.2.0, and it was last updated on March 8, 2026. This indicates a commitment to regular updates and improvements. ### What devices does Chip In support? Chip In is supported on iPhone and iPod devices, making it accessible for users within the Apple ecosystem. ### What is the age rating for Chip In? Chip In has an age rating of 17+, suggesting it contains content or features that may not be suitable for younger users. ### How does Chip In handle splitting transactions? Chip In allows for one-tap splits of any transaction, either 50/50 or by custom amounts. This makes it easy to divide shared expenses with your partner. ### Can Chip In help me save money? Yes, Chip In's AI intelligence can analyze your spending, identify outliers, and provide insights on how to save money. It also forecasts upcoming expenses and income to help with planning. ## Version history (last 5 releases) ### 3.7.1 — 2026-09-04 • All New - Split and sharing features! All new area to better manage sharing and managing finances with your partner. No other app is this comprehensive. • Chip In Intelligence – Ask natural-language questions about spending, income, subscriptions, investments, and more, with conversational insights, charts, and tables. • Advanced Investment Dashboards – Explore enriched market data, portfolio performance, holdings, securities, movers, and interactive charts. • Smarter Financial Forecasting – See upcoming bills, predicted income, paydays, major expenses, and spending patterns. • Partner-Aware Insights – Analyze shared finances, compare spending, and understand personalized expense splits. • Improved Account Management – Faster synchronization, clearer refresh controls, institution-level updates, and real-time connection alerts. • Flexible Exports – Export supported insights as PDF, image, or CSV. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements. ### 3.7.0 — 2026-09-02 • All New - Split and sharing features! All new area to better manage sharing and managing finances with your partner. No other app is this comprehensive. • Chip In Intelligence – Ask natural-language questions about spending, income, subscriptions, investments, and more, with conversational insights, charts, and tables. • Advanced Investment Dashboards – Explore enriched market data, portfolio performance, holdings, securities, movers, and interactive charts. • Smarter Financial Forecasting – See upcoming bills, predicted income, paydays, major expenses, and spending patterns. • Partner-Aware Insights – Analyze shared finances, compare spending, and understand personalized expense splits. • Improved Account Management – Faster synchronization, clearer refresh controls, institution-level updates, and real-time connection alerts. • Flexible Exports – Export supported insights as PDF, image, or CSV. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements. ### 3.6.0 — 2026-08-29 • Chip In Intelligence – Ask natural-language questions about spending, income, subscriptions, investments, and more, with conversational insights, charts, and tables. • Advanced Investment Dashboards – Explore enriched market data, portfolio performance, holdings, securities, movers, and interactive charts. • Smarter Financial Forecasting – See upcoming bills, predicted income, paydays, major expenses, and spending patterns. • Partner-Aware Insights – Analyze shared finances, compare spending, and understand personalized expense splits. • Improved Account Management – Faster synchronization, clearer refresh controls, institution-level updates, and real-time connection alerts. • Flexible Exports – Export supported insights as PDF, image, or CSV. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements. ### 3.5.3 — 2026-08-26 • Enhanced Liabilities dashboard insights and charts. • Improved payment and balance breakdown accuracy. • Faster Bills & Subscriptions cash-flow forecasts. • Refined dark mode colors and readability. • Improved AI Assist search and conversation controls. • General stability and UI improvements. • Integration with Chip In web app. • Stability improvements. • Bug fixes. ### 3.5.2 — 2026-08-25 • Enhanced Liabilities dashboard insights and charts. • Improved payment and balance breakdown accuracy. • Faster Bills & Subscriptions cash-flow forecasts. • Refined dark mode colors and readability. • Improved AI Assist search and conversation controls. • General stability and UI improvements. • Integration with Chip In web app. • Stability improvements. • Bug fixes. ## Apps similar to Chip In | App | Rating | Price | Category | | --- | --- | --- | --- | | [OurWallet - Couple's Finances](https://appshunter.io/ios/app/ourwallet-couples-finances/id6739329232) | 4.5 (2) | Free | Finance | | [Halfsies: Couples Budgeting](https://appshunter.io/ios/app/halfsies-couples-budgeting/id6740665904) | 5.0 (1) | Free | Finance | | [Mash.Today](https://appshunter.io/ios/app/mashtoday/id6748020961) | — | Free | Finance | | [Peas: Couples Financial AI](https://appshunter.io/ios/app/peas-couples-financial-ai/id6503368444) | 5.0 (7) | Free | Finance | | [Halfway: Couples Budgeting App](https://appshunter.io/ios/app/halfway-couples-budgeting-app/id6756980368) | 5.0 (12) | Free | Finance | | [Spend Budgeting](https://appshunter.io/ios/app/spend-budgeting/id6657960356) | 5.0 (2) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*