Halfway: Personal Finance App for Couples
A personal finance app built for couples who don't earn the same. One of you earns more. The other earns less. Splitting everything 50/50 feels wrong because it is wrong. Halfway automatically splits shared expenses based on what each of you actually earns. Both of you contribute fairly without the resentment.
"Couples who use Halfway argue about money 43% less" - based on a Halfway user survey.
Free to start. Free to stay. No credit card. No expiring trial. The core features of Halfway are free forever. Upgrade only if you want automatic bank sync, Penny AI, and 1:1 sessions with a registered financial advisor.
WHAT REAL COUPLES ARE SAYING
"My partner earns more than me and I always felt guilty about 50/50 splits. Halfway's income-based splitting changed everything. We both contribute fairly without the awkward conversations." Sofia, Berlin
"We used Splitwise for years but it always felt like we were roommates keeping score. Halfway actually understands how couples share money. It's simpler and way less transactional." Bharat & Ilana, Toronto
"We're not ready to merge bank accounts but we wanted transparency on shared bills. Halfway gives us both complete independence and total clarity." Marcus & Alex, San Francisco
THE ONLY APP THAT SPLITS BY INCOME, NOT BY HABIT
Every other budgeting app splits 50/50 or asks you to figure it out yourself. Splitwise treats couples like roommates keeping a tab. Halfway is the only budgeting app built on the idea that fair means proportional, not equal. Set your incomes once. Every shared bill splits accordingly. Forever.
EVERYTHING YOU GET
• Income-based expense splitting (60/40, 70/30, any ratio)
• Shared budgets and personal budgets in one app
• Real-time settle up so you always know who owes who
• Penny, your AI financial assistant who knows your actual numbers
• Free 1:1 sessions with a registered financial advisor
• Automatic bank sync via Plaid (Premium)
• Subscription, reminders, and bill tracking with shared and personal categories
• Custom split rules (50/50 for dining, income-based for rent)
• Net worth tracking
• Monthly reports and budget vs actual history
• Available in English, Spanish, and French
BUILT FOR COUPLES, NOT INDIVIDUALS
Most budgeting apps were designed for one person. Mint, YNAB, Monarch, Rocket Money, all built around individual budgets. Halfway is built from the ground up for two people sharing a financial life. Shared bills. Private spending. Fair contributions. Everything two people need to manage money together.
YOUR DATA IS NEVER FOR SALE
Unlike free budgeting apps that profit from your data, Halfway is built on trust and security. Zero ads. Zero data brokers. Personal spending stays private from your partner. Read-only access via Plaid means Halfway can see your transactions but can never move your money. You pay us, so no one else has to.
PERFECT FOR
Couples and families with different salaries. Newlyweds combining finances. Engaged couples planning their future. Domestic partners. Long-term couples who haven't merged bank accounts. Anyone tired of 50/50 splits that quietly create resentment. Bilingual, Spanish-speaking, and French-speaking households.
UPGRADE TO PREMIUM ANYTIME
Premium unlocks automatic bank sync via Plaid, Penny AI, 1:1 advisor sessions, and advanced insights. Cancel anytime. The free plan stays generous.
Download Halfway. Fair from day one.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy URL: https://meethalfway.app/privacy
Terms of Use URL: https://meethalfway.app/terms
We tried Monarch for about six months. Great app but it treated us like one financial unit. Everything was shared, everything was visible, and we kept arguing about who spent what on personal stuff. We earn different amounts too so the whole thing felt off from the start.Halfway is different. Shared expenses are tracked together, personal spending stays private. The split adjusts based on what we each earn so I'm not overpaying relative to my income anymore. Settlement screen tells us exactly who owes what at the end of the month. No spreadsheet, no calculator, no argument. Free to start which was the other thing. Monarch is $99 a year. Halfway costs nothing until you want bank sync.
Love it so far
Mojojojo1129
The app has been super helpful in terms of splitting expenses by certain percentages. I used to use Excel and it would be stressful as we would miss some payments and the calculations wouldn’t tell App. It was just becoming messy when we were trying to split smaller expenses. My girlfriend and I we earn different amounts so it’s important for us to track the right split and this app helps us do that.
Developer Response
We are glad that the app is able to help you manage your budget when you earn different incomes. That's exactly what we designed it for. Thanks for sharing the feedback
Totally Enjoying the App
SEMDOUGIEFRESH
Great app and has all the features you need for managing a budget and splitting transactions with your spouse or partner. Highly recommend the subscription the automated bank information works well and makes things easier.
Developer Response
Thank you so much for the kind words and for subscribing! Really glad the bank sync is making things easier, that was one of the features we most wanted to get right. Appreciate you taking the time to leave this. Happy Budgeting!
Great budgeting tool
Farouklr
makes tracking daily expenses quick and painless. the layout is intuitive, navigation is smooth, and it helps keep spending top of mind
This update makes Halfway cleaner, sharper and smarter about your banks.
Fresh look: softer rounded cards, frosted menus and cleaner icons across every theme
Easier reading: amounts line up neatly, and full figures show everywhere except chart labels
Better summaries: your weekly and monthly recaps are cleaner and easier to scan
Smarter bank connections: reconnecting a bank you already have now adds new accounts to it instead of creating a duplicate
Two logins at one bank? You can now connect both
Faster first import when you connect a new bank
Refunds in Review now show the right sign
Version 24.0.10
The developer, Shashank Imarati, 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 Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Shashank Imarati
Size
80.6 MB
Category
Finance
Compatibility
Requires iOS 15.5 or later.
iPhone Requires iOS 15.5 or later.
iPad Requires iPadOS 15.5 or later.
iPod touch Requires iOS 15.5 or later.
Mac Requires macOS 12.4 or later and a Mac with Apple M1 chip or later.
