Managing money, especially as a couple, comes with its own unique challenges. Being in a partnership often involves juggling different goals, pay schedules, and spending styles. Whether you’re preparing to move in together, get married, or save for a baecation, the right budgeting app can help you get and stay on track. Budgeting apps for couples and individuals make it easier to track spending, pay bills, and build a solid foundation for long-term financial wellness and love.

Best Budgeting Apps For Couples

Monarch

Monarch is regarded by many as one of the best budgeting apps, largely because it’s so advanced. Although it costs about $99 a year, it comes with a robust feature set. As a couple—or solo—you can track bank accounts, credit cards, loans, and even cryptocurrency accounts in one place. We like that Monarch pulls all your financial accounts into a single view (including crypto), lets you customize budgeting categories and goals, offers built-in tools for couples to collaborate in-app, and sends weekly financial updates and insights to keep you aligned. But, keep in mind, the annual price is $99—there’s a 7-day free trial—and the interface can feel overwhelming for beginners.

Honeydue

Honeydue was built specifically with couples in mind. Whether you’re planning a wedding or saving for a home together, this free app helps you track bank accounts, loans, and investments. It also sends reminders when bills are due to help you avoid late fees, and you can chat directly with your partner inside the app. We like that it’s totally free, includes in-app messaging for money conversations, and makes bill tracking easy with due-date reminders. But, keep in mind, long-term planning tools are limited, especially around investments. Also, there’s no desktop version, so it’s mobile only.

Best For Overspenders

PocketGuard

For the couple (or individual) who tends to spend a little too freely, PocketGuard is a helpful reality check. If you or your partner often blow past the budget, this app keeps you mindful by showing exactly how much “pocket” money is left after bills, goals, and savings. We like that the “In My Pocket” view is easy to understand, it syncs automatically with many financial institutions, it flags subscriptions you might want to cancel, and it helps you set savings goals. Keep in mind, budgeting categories aren’t as customizable as power users might want, and some features sit behind a paid tier.

Quicken Simplifi

If you and your partner like control and flexibility, Simplifi by Quicken could be your go-to. It’s ideal for couples who want detailed budgets, spending-trend tracking, and precise transaction categorization. You’ll get real-time tracking and its own categorization system to keep things organized. Categories and reports are highly customizable which we like. Plus, it works smoothly across web and mobile. However, after the free trial, the price is $47.99 per year, and the interface can feel too detailed for users who prefer a simpler layout.

Best Budgeting Apps For Teens

Goodbudget

Goodbudget uses the classic envelope method—newly popular again on YouTube and TikTok. You assign money to specific “envelopes,” which makes it great for teens learning to budget and equally useful for couples who want a beginner-friendly way to divide income into spending categories. We like that it’s straightforward for beginners, and manual transaction tracking encourages more intentional spending. Keep in mind, the interface is less modern and lacks some advanced features found in newer apps.

YNAB (You Need A Budget)

YNAB takes budgeting to the next level by teaching users to give every dollar a job. This zero-based budgeting method is best for people who want to dig deep into their habits and stick to a strict plan. It’s also a strong training ground for teens building money-management skills. It actively encourages saving and goal-setting, syncs with multiple accounts, and offers a generous 34-day free trial. However, there’s a learning curve, especially if you’re new to zero-based budgeting.

Best Budgeting Apps For Biweekly Pay

EveryTwo App

If you or your partner gets paid biweekly, EveryTwo is a game-changer. It automatically builds a paycheck-based budget that aligns with your pay schedule, so you always know what’s coming in and going out. If your job or pay cadence changes, you can adjust the schedule to stay on track. It’s purpose-built for biweekly budgeting and automatically splits expenses by paycheck. Keep in mind, it’s less robust than all-in-one budgeting suites, so heavy planners may want supplementary tools.

Empower

Empower (formerly Personal Capital) is ideal for couples who want to build wealth over time. Beyond day-to-day budgeting, it helps you plan for long-term growth by syncing everyday accounts and monitoring net worth, investments, and retirement goals—useful context as you plan a shared future. We like the built-in retirement planner is a standout, and many core features are free to use. Just keep in mind advanced features can feel complex, especially if you’re new to investing.

Financial Readiness with Love

No matter what stage you’re in building a solid financial foundation matters. Financial preparedness is an act of love and long-term stability. These apps can help you get aligned and make your relationship healthier and more secure. Choose the one that fits your shared money mindset and start budgeting as a team.