Couplesplit vs HellerIO

Split expenses with your partner without spreadsheets or awkward talks. Couplesplit logs purchases from your bank notifications and shows who owes whom, split 50/50 or by income. Shared money lives in Ours. Personal money lives in Mine, and only you can see it. The two never mix. PURCHASES THAT LOG THEMSELVES Bought groceries for $42.90? When your bank's notification arrives, the expense is already in Couplesplit. • Bank notifications: on iOS 27, purchases log themselves from the notifications your bank already sends. • Apple Pay: from iOS 18, what you buy with Apple Pay is logged too. • No passwords and no bank connection. It runs through an automation in the Shortcuts app. • Captured purchases arrive private, in Mine. You decide what moves to Ours. NEW IN 1.8 • Your month vs. your usual: see if you're spending more or less than your usual pace, and which categories explain it. • Fixed payments: rent, utilities and subscriptions in one place, with a calendar and a notification before each due date. Shared or just yours, never mixed. • How you split: what each of you put in this month, and what your incomes say it should be. Change your salary or the split directly; your partner gets a notification and can pause the change to talk it over. • Half-month balance: your balance broken down by half-month, ideal if your salary arrives twice a month. • Expense organizer: sort uncategorized expenses in a few taps. • Share suggestions: personal expenses that look like household ones are gathered for you to review. Nothing is shared until you say so. SPLIT FAIRLY, SETTLE UP CLEARLY • Split 50/50, by income or with your own percentage • Who owes whom in real time, synced on both phones • Settle up the full balance or only through last month • Couplesplit never moves money: you send the transfer from your bank and record it in the app • A notification when your partner adds an expense PLAN TOGETHER • Shared spending limits, with notifications at 80%, 90% and 100% • Installments and recurring expenses • Trips in the local currency, converted to your home currency, and kept out of your monthly spending if you want • Reports by category and trend, plus your Monthly Wrapped • Home screen widgets • Import your shared history from a CSV file • 70+ categories, 100+ currencies and 6 languages COUPLESPLIT PRO Everything in Couplesplit is part of Pro. Start with a 14-day free trial. One subscription covers both of you, whichever phone each of you uses. Invite another couple and both couples get 1 month of Pro free. Couplesplit Pro is an auto-renewable subscription, monthly or yearly. It is charged to your Apple Account when you confirm the purchase and renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it in your App Store account settings. Terms of Use: https://api.couplesplit.xyz/terms Privacy Policy: https://api.couplesplit.xyz/privacy

How much do you really have left this month? HellerIO answers exactly that question: at a glance, before the month even begins. Is there room for a weekend trip next month? Add it to your plan and see right away what's left afterwards. HellerIO is your personal budget planner: simple, visual, and forward-looking. Instead of laboriously logging past expenses like in a household budget book, you plan your income and expenses ahead, set savings goals, and keep your whole year in view. Plan ahead. No tracking. Just your plan. YOUR FINANCES, YOUR PLAN • Monthly and yearly planning at a glance • The one number that matters: What's left over? • Fixed costs, budget expenses, and income clearly separated • Plan changes ahead: salary raise, new subscription, cancellation • Add entries by photo, screenshot or voice instead of typing (Free: 5 captures, Premium: 60/month fair use) • Share a plan template: send someone a list of items for moving house or sharing a flat, without your amounts • Payday check: a reminder on payday of what's left after fixed costs, or what's missing • Planning occasions like Christmas, yearly insurance or holidays, if they're missing from your plan • Context, not judgement: your spending next to typical ranges from official statistics • Year review from December: your financial year in five cards, one of them shareable without amounts • Freed-up payments: when your instalments or debt repayments end, see what you have left over from then on and, if you choose, assign it to a savings goal SET & REACH SAVINGS GOALS • Savings goals with motivating, visual progress (Free: up to 3) • Monthly savings amounts integrated directly into your year plan GET OUT OF OVERDRAFT • Track overdraft repayments separately • Keep your payoff in view: see progress, stay motivated • Debt Cockpit: track installment loans and overdraft/credit card debt (Free: 1 debt) THOUGHTFUL & PRIVATE • Works offline: no account required for core features • By default, all data stays on your device • Optional encrypted backup and CSV export • Dark Mode & Light Mode · in six languages • Choose your currency: Euro, US Dollar, Pound, Swiss Franc, Yen WITH HELLERIO LITE (ONE-TIME PURCHASE) OR PREMIUM • Plan up to 5 years ahead and the previous year • Custom categories with matching icons • Unlimited savings goals (Free: up to 3) • Payment reminders with custom lead time • Annual check: confirm or update ongoing entries one by one, or end them from now on • Home screen widget • Apple Watch: what's likely left over, on your wrist and as a complication • Debt Cockpit: unlimited debts & debt repayment order (avalanche/snowball) ONLY WITH HELLERIO PREMIUM • Sync across devices: keep your plan up to date on every device • 60 entries by photo or voice a month, fair use Perfect for anyone who wants to actively plan their finances, without complexity. HellerIO is not a budget tracking app: no logging past expenses, but planning ahead, without any spreadsheets. Start for free and finally stay on top. Learn more: hellerio.de SUBSCRIPTION NOTICE HellerIO Premium is available as a monthly or yearly subscription, or as a one-time lifetime purchase. HellerIO Lite is also available as a one-time purchase: every feature except sync across devices, the web app and the 60 entries by photo or voice a month. Subscriptions renew automatically unless you cancel at least 24 hours before the end of the current period. Payment is charged to your App Store account; you can manage and cancel your subscription anytime in your account settings. Terms of Use: https://hellerio.de/en/terms Privacy Policy: https://hellerio.de/en/privacy