Tandem - Plan & Save for Goals 4+

My partner and I have always randomly decided who would pay for each shared expense. When we saw an ad for Tandem, we decided to try it out and now we’ll never go back! Tandem allows us to split every shared expense with a custom ratio to accurately reflect each of our incomes. It’s a great tool to get a clear picture of your shared expenses and figure out if one of you is paying more or less than their fair share. Some folks are turned off by the idea of making your partner pay you back for every little thing, but that’s not how we use the app. When one of us “owes” the other money, that person will just pay for whatever the next expense is to settle things up. Highly recommend!

I’m not exaggerating when I say this app is saving my relationship. After 7 years you start to stop keeping track of the little everyday expenses but they sure do add up! I started to become resentful knowing I was spending more in our relationship. With other apps like Zelle and Venmo you need to manually enter the amount that adds even more stress having to remember all the expenses. And they became a he said she said situation. This app being linked to my bank makes it so easy to swipe and add to tandem and then you can change the split percentage too! I haven’t had this app long but I’m hoping that they don’t expire super quickly like other apps to just be forgotten.

I like the app, and use it with my SO but it seems that the creators decided to make a premium subscription version. In a vacuum, there’s nothing wrong with adding new features behind a paywall but they made the free app worse as well. Once you settle a split, you can’t go back and see what was included ( you used to be able to). They added “in-depth split history” in premium but also removed ANY view to split history in the free app which feels like a core feature to the app. The old view would lump all previous splits in one long list of transactions and if kept would be a perfectly functional feature that would still encourage the upgrade to the premium for a more organized view.

Finally, they should add some indication to the premium cost. The only way to see pricing is to start a free trial.