Couplesplit vs Ledger Budget Tracker

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

Ledger is a calm, focused way to see where your money goes — no bank linking, no clutter, no ads. Budget in envelopes. Set a monthly limit for each spending category and watch it fill up as you log purchases. Get a gentle nudge at 85% and a clear alert when you go over. Pay down debt with intention. Track loans and credit cards side by side, log payments, and get reminded 5 days before anything is due — plus a heads-up if a card's utilization crosses 70% or 90%. Save toward what matters. Set savings goals, watch your progress, and add contributions whenever you have extra to put away. See it all at a glance. A single overview screen shows your spending, income, budgeted totals, and a category breakdown chart — the whole picture in one look. Private by design. Your data is yours: it's stored securely under your own account, never sold, never shown to advertisers. Lock the app with Face ID, Touch ID, fingerprint, or your device passcode so it stays private even if someone picks up your phone. No bank connections required. Every entry is yours to add — full control, nothing synced automatically, nothing you didn't put there yourself.