The app itself is great but there were some things that I wish were better. I think it’s great that you can select the specific charge and split and even do reoccurring charges but I wish that there was more customization especially since you have to pay for the app. With reoccurring charges it would be nice to have a two week option rather than just weekly or monthly. Being able to make your own categories for the charges would be awesome as well. I don’t know if it was my bank because it’s a pretty well known bank but not as big as navy fed or truist but it took multiple days for my charges to show up. I’m talking like 5-7 days after I made a purchase which made it difficult to really keep track of what was being spent and what needed to be split between my husband and I. I did really like the idea but the execution is a little flawed.

I tried out a number of apps for keeping track of split expenses after my divorce but they all had major shortcomings. Tandem works very well for us. I love that you can connect it with directly to your credit cards and split something easily with a swipe. We have 3 kids and our decree mandates that all extracurricular-related costs and all medical costs are split 50/50, with a few odd items being reimbursable by my ex at 100%. This makes things SO easy for someone like with a very forgetful brain. 3 things I would add that would really make this app perfect: 1) ability to attach a picture of a receipt (even low res) for documentation/proof, 2) ability for the other person to see the notes I add to specific expense to help explain what it’s for, and 3) ability to customize the categories. Things like “bills”, “entertainment” or “food” don’t help me. In my case it would be extremely helpful to be able to add categories like medical, school, and extracurricular. All in all, though it’s not perfect, it’s the best I’ve been able to find at this price point.

My partner and I started using Tandem several months ago and we love it! It is very simple and convenient to use. We hook it up to any cards or accounts we use, and when a charge appears that we want to split, we swipe it to the other person. We have it set to 50/50 but I love that you have to option to change that if you have different incomes. When my partner gets the charge from me, he clicks on it and it takes him to Venmo to pay me the amount owed. We mostly use it for utilities or if we want to split dinner or an event cost. They recently added a savings account with a pretty high APY where you can separate the money into specific goals that you are saving for. It’s nice to have the ability to split costs and save money all in the same app. Overall we love the app and it’s better to use than just a cash exchange app because 1. You don’t have to remember to pay someone, it just shows up in the app automatically, and 2. It does all the splitting math for you!

When my boyfriend and I moved in together, we downloaded tandem and it is sooooo helpful for keeping track of how much we are spending!! I’m usually not a nickel and dimer, and believe “it all evens out eventually” with friends and family when it comes to money. However, since moving in together, we split utilities, furniture, groceries, etc.. let me tell you, it was NOT evening out. I love how tandem can link directly to your bank account, so once a week all I have to do is go and swipe which transactions I’d like to split! Tandem automatically calculates the net difference between spenders. You can also adjust the split so that not every purchase is 50/50! My boyfriend and I split a lot of things 50/50, but for example, he really wanted a nicer set of speakers to go with our tv, where I really didn’t care much about it. We split the tv and speakers in a 70/30 split. We love using tandem, it’s a stress free way to address money spending differences in a relationship/partnership!