Shapital – Couples Budget

Shared Money & Expense Tracker

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

One budget you can both see. Log spending on two phones and watch it sync in real time — any country, any currency, no bank linking ever. Built for couples. Most budget apps make money private. Shapital makes it shared. You and your partner see the same budget, the same numbers, at the same moment, on both phones. Log an expense in the checkout line; it's on their screen before you reach the car. Money conversations get shorter when you're both looking at the same page. WHY COUPLES SWITCH TO SHAPITAL NO BANK LINKING. EVER. Shapital never asks for your bank login. Nothing to connect, so nothing breaks: no accounts that silently stop syncing, no vanished transactions, no re-linking your bank every month. You log spending in seconds; your budget is exactly as accurate as you are and it works this way forever. WORKS IN ANY COUNTRY No US bank account required. Full multi-currency support Johannesburg, London, Toronto, Sydney, Mumbai, Manila. If you have a phone, Shapital works, online or offline. Log expenses with no signal; everything syncs when you're back. BUILT FOR TWO (OR MORE) • Invite your partner and budget together in real time • Activity feed shows who changed what, no mystery edits • Permissions per collaborator, great for families and roommates • Comment threads on budget items, so the discussion stays with the numbers BUDGETING THAT ACTUALLY GUIDES YOU • Zero-based budgeting: give every dollar (or rand, or pound) a job • Monthly, quarterly, or yearly budget periods; duplicate in one tap • Planned vs. actual spending, live, per category • Savings goals with visual progress • Financial Health Score and trends over time MOMENTS WORTH COMING BACK FOR • Close each period with a Wrap-Up that celebrates how you really did • Daily logging streaks, badges, challenges, and a personal Year in Review • Home and lock-screen widgets keep the budget one glance away PRIVATE & SECURE Two-factor authentication, secure recovery, full control of your data — and no ads, on any tier. FAIR PRICING The core app is free. Premium adds unlimited budgets, advanced analytics, PDF/Excel reports, budget templates, and extra collaborators — for less than the big-name budget apps charge. Shapital — same budget, same page, no arguments. Built by one developer in Johannesburg. Answered by a human when you email. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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SPENDMIND IS NOW SHAPITAL Same app, same account, same budgets. Your history, your savings goals, the person you share with and your subscription all carry over. There is nothing you need to do and nothing to set up again. It is still a budgeting app and it still works on your own. What changed is that most people here are budgeting with somebody else, and the old name never said the shared part out loud. Shapital is share and capital, pushed together. The longer version: https://shapital.kaygeek.com/blog/spendmind-is-now-shapital MEET COMPASS Your budget now tells you what to do next, not just what happened. Compass points at the exact row that needs you, and every suggestion is something you can act on in a tap. SHARE WITHOUT PAYING Inviting your partner no longer needs Premium. Every account can now share a budget with one person. Premium raises that to three. SUPPORT THAT ANSWERS Ask a question from inside the app and get told when someone has answered it. ALSO IN THIS RELEASE • Upload a real profile photo • Savings goals and income no longer read as overspending • Deleting a budget now clears it from your partner's device too • Dates near the end of a month no longer shift by a day • Currency symbols and large amounts stop wrapping mid-number • Old spendmind.kaygeek.com links keep working • Faster sync, tidier navigation, and a long list of accessibility fixes

The developer, Kudakwashe Dhliwayo, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Financial Info
    • Contact Info
    • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
  • Kudakwashe Dhliwayo
Size
  • 65.7 MB
Category
  • Finance
Compatibility
Requires iOS 16.4 or later.
  • iPhone
    Requires iOS 16.4 or later.
  • iPad
    Requires iPadOS 16.4 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
13+
In-App Purchases
Yes
  • Premium Yearly $49.99
  • Premium Monthly $4.99
Copyright
  • © 2025 Kudakwashe Dhliwayo