Couples Budget Tracker vs CheckStream

Untoo - Shared Money for Couples Money works better when you two are on the same team. Untoo is one shared money space for couples. Log what you spend in seconds, split it fairly, set money aside for what's next, and always know where you stand - with no bank connections and no complicated budgeting. Both of you see everything, live. Neither of you is the admin. LOG IT IN SECONDS Type it, say it out loud, or snap the receipt. "Groceries, $42, split evenly" is already a complete entry: Untoo reads the amount, picks the category, and applies the split you two usually use. In English, Spanish, German, French, Italian, Dutch and Portuguese. ALWAYS IN SYNC Every entry shows up on both phones right away. No more "did you already pay that?", no end-of-month surprises. SPLIT WITHOUT THE MATH Track who paid, and split each expense evenly, by your own ratio, or as a treat. One settle-up screen shows who owes whom, so things stay even. No money ever moves through Untoo. SAVE FOR WHAT'S NEXT The trip, the couch, the emergency fund. Shared life goals with visible progress - and money you set aside never counts as spending, so a big saving month never looks like a bad one. YOUR MONTH AT A GLANCE A clear monthly recap, category by category. Set an optional limit on any category, and going over gets a note, not an alarm. No streaks, no lapse-shaming, no red alerts. THE SMALL THINGS • Rent, subscriptions, bills and payday post themselves • Log in any currency while traveling; totals stay in the one you two picked • Your own categories - rename, reorder, recolor, add soft limits • Money date: a short, warm check-in you two do together • Export everything to CSV, or delete your account, right from Settings BUILT FOR TWO, NOT FOR ONE Untoo isn't a personal budget app with a guest seat. It is built for two partners with equal access - dating, living together, married, or planning what comes next. • No bank linking, ever. Untoo only knows what you two choose to log • Your money notes are never sold and never used for ads ONE PREMIUM. BOTH OF YOU. One subscription covers both partners. Either of you can start it, and you both get everything. Premium unlocks: • AI capture - text, voice and receipt photos • Unlimited life goals and recurring rules, plus automatic set-asides • Your full history, month-to-month comparisons, and insights in plain words • Home screen widgets: quick add, and your month at a glance • Our year, together: the full annual recap, with cards you can share • Dark mode and color themes Free, always: manual logging for both of you, pairing and real-time sync, splitting and settle-up, your first life goal, one recurring rule, and this month and last month's recap. SUBSCRIPTION DETAILS Untoo Premium is an auto-renewing subscription: $4.99 per month or $39.99 per year (US pricing - your local price is shown in the app before you confirm), each starting with a 7-day free trial. Payment is charged to your Apple ID at confirmation of purchase. It renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Untoo Terms of Service: https://untoo.app/terms Privacy Policy: https://untoo.app/privacy Untoo is a record of what you two choose to log. It does not move money, connect to banks, or give financial advice.

CheckStream is a checkbook register built for real households — the way you'd balance a checkbook by hand, brought into the modern age and shared with the people who need it. TRACK EVERY ACCOUNT Add as many bank accounts as you need. Each one shows your Current Balance, Uncleared Credit, Uncleared Debit, and — most importantly — your Available Balance, so you always know what you can actually spend. RECONCILE WITH CONFIDENCE Just like the paper register you grew up with: outstanding transactions stay in one list, and a single tap moves them to Reconciled once they clear. Search and filter by category, merchant, or amount to find anything in seconds. NEVER FORGET A BILL Set up recurring transactions — rent, subscriptions, paychecks — and CheckStream posts them automatically on schedule: weekly, biweekly, monthly, yearly, or a specific day of the month. SEE THE WHOLE PICTURE Your Home screen splits Bank Accounts from Debts, with running totals for Assets, Liabilities, and Net Worth. Monthly Reports break down spending by category with a pie chart and percentages — tap any category to see exactly which charges make it up. PAY OFF DEBT ON PURPOSE Track credit cards, car loans, and mortgages with balance, interest rate, and monthly payment. CheckStream calculates your payoff date and total interest automatically, and updates the balance each month as payments post. SHARE WITH YOUR HOUSEHOLD One tap shares every account and debt with a spouse or family member through iCloud — no separate accounts, no passwords to manage. Everything you enter, they see. Everything they enter, you see. In real time. BUILT FOR PRIVACY Your financial data lives in your own iCloud account, not on a company's servers. CheckStream never sees your data, never sells it, and never shows ads. CheckStream doesn't link to your bank — you enter transactions yourself, the way you always have. That's by design: no bank credentials to hand over, no subscription fees, no middleman. Just a clear, honest picture of your money, kept exactly the way you and your family want it.