# Couples Budgeting: Halfway — Split fairly based on income

> Fair couples budgeting app with income-based expense splitting and transparent tracking. (iPhone/iPad app by Shashank Imarati.)

- Source: https://appshunter.io/ios/app/couples-budgeting-halfway/id6756980368 (this page in markdown: same URL + `.md`)
- Developer: [Shashank Imarati](https://appshunter.io/developer/1864028386)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 5.00/5 from 14 App Store ratings · 14 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.5 · 77 MB
- Languages: American English
- Released: 2026-01-10
- Data updated: 2026-10-20
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/couples-budgeting-halfway/id6756980368/reviews.md

## What is Couples Budgeting?

Budget together. Split expenses fairly. Keep personal spending private.

Halfway is a budgeting app for couples that helps you manage shared expenses while keeping your financial independence. Split bills based on what each of you earns, go 50/50, or choose the ratio that works for you.

Whether you’re moving in together, newly married, or simply ready to retire the spreadsheet, Halfway helps you see where your money goes and who owes what.

MANAGE MONEY TOGETHER

• Split expenses your way
Set your incomes and let Halfway calculate proportional contributions. Use different rules for different expenses, like income-based splitting for rent and 50/50 for dining.

• Keep shared and personal budgets in one place
Plan for household expenses together while managing your own spending separately. Your personal spending stays private from your partner.

• Know who owes what
Track shared purchases and see your settlement balance as you go. Spend less time calculating reimbursements and sorting through past payments.

• Stay on top of bills and spending
Organize recurring bills and subscriptions, set reminders, and compare your budget with what you actually spent.

• See the bigger picture
Track your net worth and review monthly reports to understand how your finances change over time.

START FREE. UPGRADE WHEN YOU NEED MORE.

Get started without a credit card or an expiring trial. Halfway’s core budgeting and expense-splitting features are free to use.

Premium adds:
• Automatic bank sync through Plaid
• Penny, an AI assistant that helps you understand your financial numbers
• Included 1:1 sessions with a registered financial advisor
• Advanced insights

Cancel Premium anytime.

YOUR MONEY IS PERSONAL. YOUR DATA SHOULD BE TOO.

No ads. No selling your data. Personal spending stays private from your partner, while shared expenses stay visible to both of you.

Bank connections through Plaid are read-only. Halfway can view connected transactions but cannot move your money.

Available in English, Spanish, and French.

Download Halfway and find a way to share money that works for both of you.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Privacy Policy: https://meethalfway.app/privacy

Terms of Use: https://meethalfway.app/terms

## Key features

- Income-based expense splitting
- Instant settlement tracking
- Shared and personal budgets
- Bank-level security
- Custom split per category
- Budget planner and spending tracker

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Halfway Premium | $11.99 | per month |
| Halfway Yearly Subscription | $89.99 | per year |


## Is Couples Budgeting safe?

Not enough ratings yet to assess Couples Budgeting.

## Is Couples Budgeting legit?

Couples Budgeting: Halfway has limited verification signals. The AppsHunter Legitimacy Score for Couples Budgeting is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 14)

All indexed reviews: https://appshunter.io/ios/app/couples-budgeting-halfway/id6756980368/reviews.md

### 5/5 — Great budgeting tool

*2026-09-20*

makes tracking daily expenses quick and painless. the layout is intuitive, navigation is smooth, and it helps keep spending top of mind

### 5/5 — Simple to track

*2026-09-13*

Easy to split and bank connections make it so simple. UI is pretty good

### 5/5 — Simple and effective

*2026-08-05*

This is a good combo of splitwise and monarch. I’m able to do everything that was in monarch and keep balance track like splitwise. Love it

### 5/5 — Totally Enjoying the App

*2026-08-01*

Great app and has all the features you need for managing a budget and splitting transactions with your spouse or partner. Highly recommend the subscription the automated bank information works well and makes things easier.

**Developer response:** Thank you so much for the kind words and for subscribing! Really glad the bank sync is making things easier, that was one of the features we most wanted to get right. Appreciate you taking the time to leave this. Happy Budgeting!

### 5/5 — Switched from Monarch and haven't looked back

*2026-07-08*

We tried Monarch for about six months. Great app but it treated us like one financial unit. Everything was shared, everything was visible, and we kept arguing about who spent what on personal stuff. We earn different amounts too so the whole thing felt off from the start.
Halfway is different. Shared expenses are tracked together, personal spending stays private. The split adjusts based on what we each earn so I'm not overpaying relative to my income anymore. Settlement screen tells us exactly who owes what at the end of the month. No spreadsheet, no calculator, no argument. Free to start which was the other thing. Monarch is $99 a year. Halfway costs nothing until you want bank sync.

### 5/5 — Impressed

*2026-05-14*

I’ve tried pretty much every budgeting app out there - YNAB, Mint, Monarch, Goodbudget, Splitwise - and Halfway is the only one built specifically for couples managing shared expenses. It does one thing really well instead of trying to be everything to everyone.

The proportional splitting feature is what sold me. Most apps assume you split everything 50/50, but Halfway lets you split based on income percentages. You set it once and every shared expense automatically splits the right way. No manual calculations, no spreadsheets, just done.

What really impressed me is the flexibility. You can set different split percentages for different categories. For example, you might want to split groceries one way and rent another way. Or some expenses can be 50/50 while others are proportional. Most apps force you into one rigid system, but Halfway adapts to however you and your partner actually handle money.
The privacy features are excellent. You can mark transactions as shared or personal, and personal spending stays completely private. Your partner can't see what you spend on personal stuff unless you choose to share it. This is huge - other couples apps I tried either showed everything to both people or made it way too complicated to separate shared vs personal.

Transaction tracking is smooth. Adding expenses is quick, categorization works well, and the settlement feature shows exactly who owes what at any time. No more "wait, did I pay you back for that?" conversations. One button settles everything up.
The budgeting tools are solid too. You can set budget limits by category and both people see the same progress. It's collaborative without being controlling, which is a hard balance to strike.

A few things could be better - the recurring bills tracker is good but could be smarter about detecting patterns, and the mobile app occasionally lags when loading transactions. Also wish there was a desktop web version for when you want to do deeper analysis.

But overall, this is the first budgeting app I've actually stuck with for more than a few months. It's not bloated with features I don't need, and it solves the specific problem of managing shared finances fairly. The UI is clean and modern, not overwhelming like some of the older apps.

If you've been tracking shared expenses in Notes or a spreadsheet, or if you're using apps that weren't built for couples, give Halfway a shot. The free version has everything you need to get started. Premium adds automatic bank sync which is worth it if you hate manual entry.

Pro tip: take a few minutes to set up your categories and split percentages properly at the start. Once that's configured, everything runs on autopilot and you barely have to think about it.

Definitely recommend, especially if you're managing money with a partner and want something that actually understands how couples handle finances.

### 5/5 — This is all we’ve all been waiting for

*2026-05-14*

This app is genius and works incredible. Excited to see how it evolves over time, but definitely a a huge time saver for my wife and I.

### 5/5 — Amazing

*2026-05-01*

Love the app and the UI for couples

### 5/5 — No fuss budgeting

*2026-04-29*

This made me and my partner’s budgeting incredibly easy— no need to negotiate or think. Love the bank integrations and new features.

### 5/5 — Love it so far

*2026-04-28*

The app has been super helpful in terms of splitting expenses by certain percentages. I used to use Excel and it would be stressful as we would miss some payments and the calculations wouldn’t tell App. It was just becoming messy when we were trying to split smaller expenses. My girlfriend and I we earn different amounts so it’s important for us to track the right split and this app helps us do that.

**Developer response:** We are glad that the app is able to help you manage your budget when you earn different incomes. That's exactly what we designed it for. Thanks for sharing the feedback

## Frequently asked questions about Couples Budgeting

### What is the main benefit of Halfway for couples?

Halfway's primary benefit is its income-based expense splitting, which ensures that financial contributions to shared expenses are proportional to each partner's income, making budgeting fairer for couples with different salaries.

### How does Halfway handle security?

Halfway uses bank-level 256-bit encryption and is powered by Plaid, a trusted service for financial data aggregation. The app only has read-only access to your accounts and never stores your credentials or sells your data.

### Can I keep some spending private with Halfway?

Yes, Halfway allows for personal finance privacy. You can track individual purchases separately from shared household expenses, ensuring your partner cannot see your personal spending unless you choose to share it.

### Does Halfway have ads?

No, Halfway is a premium app with zero ads. The developers state that they do not profit from selling user financial data to advertisers, offering a private and secure budgeting experience.

### What is the pricing for Halfway?

Halfway is free to start with full budgeting features. An upgrade is available for automatic bank sync, suggesting a freemium model where core functionality is free and advanced features may require payment.

### How often is Halfway updated?

The latest version of Halfway is 2.6, and it was last updated on March 27, 2026. This indicates a relatively active development cycle for the application.

### What devices does Halfway support?

Halfway is available for iPhone, iPad, and iPod devices, making it accessible to users within the Apple ecosystem.

### What is the age rating for Halfway?

Halfway has an age rating of 17+, which is common for finance and productivity applications that may involve sensitive financial data and complex features.

## Version history (last 5 releases)

### 24.0.13 — 2026-10-16

This update is all about polish.
- Connecting your bank is smoother, with a cleaner screen that fits your iPhone
- Face ID unlock is more reliable, with an easy way out if you're ever stuck
- Clearer, calmer screens when something goes wrong
- Better Spanish and French translations
- Bug fixes and design touch-ups

### 24.0.10 — 2026-10-12

This update makes Halfway cleaner, sharper and smarter about your banks.

Fresh look: softer rounded cards, frosted menus and cleaner icons across every theme
Easier reading: amounts line up neatly, and full figures show everywhere except chart labels
Better summaries: your weekly and monthly recaps are cleaner and easier to scan
Smarter bank connections: reconnecting a bank you already have now adds new accounts to it instead of creating a duplicate
Two logins at one bank? You can now connect both
Faster first import when you connect a new bank
Refunds in Review now show the right sign

### 24.0.7 — 2026-10-10

A fresh update with some nice upgrades and a few bugs squashed along the way.

A cleaner, easier-to-read Settlement Report
Settle up one month at a time
Export your settlement report as a PDF or CSV
A refreshed Help Center with smarter search
Penny knows the app even better
Lots of small fixes and polish

### 24.0.6 — 2026-10-04

We're always making Halfway better for the two of you. This update brings a fresh coat of polish and a round of bug fixes:

Cleaner, sharper icons across the app
Smarter rules that check with you before sorting a new shop
Design touch-ups and bug fixes throughout

### 24.0.3 — 2026-09-30

We're always building something new. This update brings:

- Bug fixes
- UI improvements across the app

## Apps similar to Couples Budgeting

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Couples Budget Tracker](https://appshunter.io/ios/app/couples-budget-tracker/id6751105610) | — | Free | Finance |
| [Halfsies: Couples Budgeting](https://appshunter.io/ios/app/halfsies-couples-budgeting/id6740665904) | 5.0 (1) | Free | Finance |
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| [OurWallet - Couple's Finances](https://appshunter.io/ios/app/ourwallet-couples-finances/id6739329232) | 4.5 (2) | Free | Finance |
| [We Budget: Couple Expense](https://appshunter.io/ios/app/we-budget-couple-expense/id6767637324) | — | Free | Finance |

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*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 2026-10-20.*