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Learn how to make financial decision-making for your family stress-free by using shared budgeting or personal finance apps.

If you took it upon yourself to take care of your family’s finances then you should know by now the huge stress that comes with it.

However, there are ways to manage a couple’s finances easier, and that includes having a system in place.

And by making budgeting apps your friend, you will be set for life. Maybe even save your marriage. 

Today, you will discover some of the best free budgeting apps for married couples that can help reduce the stress of financial decision-making.

Benefits Of Using Budgeting Apps

Gets Everyone On Board

A shared app will motivate everyone in the household to do their part. Since these apps are user-friendly, everyone will be more inclined to do their part.

Helps The Environment

There is no denying that you can help save some trees by going digital. Consequently, you will be able to help reduce waste and save the environment.

Organizes Finances More Efficiently

When you use digital tools like apps, information flows better. As a result, it will increase your productivity and saves you time.

Less Accounting Error

Budgeting apps and other personal finance apps may consist of fixed assets, a general ledger, payable and receivable accounts, and bank reconciliations.

And since they are programmed to deal with numbers, they are less likely to commit mistakes, unlike when you do it manually.

Allows Ease For Tracking Expenses

When your husband has access to the app, he will be more motivated to track his expenses accordingly, without your nagging him. Here are more budgeting tips to help you succeed.

Provides Added Level Of Confidence

Since information has better flow within the apps, tracking and recovery are easier. As a result, you will be more confident in making your daily financial decisions.

Qualities Of A Good Budgeting App For Couples

Customizable

A good budgeting app for couples should be customizable. You can customize your income and expenses categories. After all, everyone’s budget is different.

Data Storage

The app should be able to store data in the cloud so that you do not have to worry about looking for ways to restore/backup your data.

Real-Time

The app should be able to sync data between devices so that information entered will be both viewed by partners in real-time.

Links To External Bank Accounts

The ability to link to external accounts will make it easier to track income and expenses especially when you use cards for purchases.

Multi-Device Support

This feature allows you to control your budget in any browser or app. This is an important feature if couples do not have the same type of device.

No Ads

The last thing you want when you are about to input your transaction are ad banners. An app without ads provides a better user experience.

Alerts

An email alert or a ping from the app is useful when you have a tendency to forget due dates or overspend. These alerts will help you be on top of all your bills and stick to your budget as a couple.

Free Budgeting Apps For Married Couples

1) Everydollar

Everydollar has been our budgeting app ever since we started our budgeting journey. Almost three years later, we still have the Free version. It is not exactly built for couples, my husband and I have to share login info.

We get paid biweekly and the app works well for us.

This budgeting app, created by Dave Ramsey, is tailored around the concept of zero-based budgeting, in which your expenses equal your total income.

The free version allows you to create a budget and track your expenses manually. If you need to link to your external bank accounts, you need to upgrade to the premium version, Everydollar Plus.

2) Mint

Mint is a budgeting app that is owned by Intuit, the same company that runs Quickbooks and Turbotax. It has been around for decades and has been one of the popular ones because of its features.

This budgeting app allows you to create your budget and input as many categories as you like. It even categorizes your expenses automatically.

With Mint, as with the Everydollar app, you and your partner would have to share logins.

What makes this app stand out is the ability to set up email alerts for upcoming bills and when you are exceeding their maximum spending threshold.

The other thing that makes Mint great is the ability to link your external bank accounts, which makes tracking your expenses more streamlined.

And Mint also provides free credit scores and credit score monitoring, which is helpful for those who are keeping an eye on their credit scores.

The only downside of this budgeting app is that it can feel a little cluttered because of the ads. Other than that, it is a great app.

3) Honeydue

This budgeting app, which was tapped by Forbes as one of the  “Best Apps Of The Year”, is specifically designed for couples with the goal to have both partners on the same page when it comes to money.

It allows couples to track not only their savings and expenses but also loans, credit cards, and investments as well. You have the ability to tag each account as an individual or joint.

The app also has a Split Expense function, a useful feature if you guys haven’t combined finances into the same account, or you’re keeping tabs on who pays what bills.

Although everything should be transparent in the app, it has a feature where you can set a select account visible only to you or to your spouse. This feature is useful if you and your spouse prefer to have some kind of privacy.

Another cool feature of Honeydue is the ability to chat with your partner within the app. You can even comment on your spouse’s purchase with an emoji!

4) Zeta

Zeta is another budgeting app for couples that focuses more on managing a personal or shared account. You can customize the app based on how you merge your finances, whether it is all combined, separate, or somewhere in the middle. You are in control of what information you want your partner to see.

Another cool feature of this app is the goal tracker. If you and your partner are saving up for a house or paying off debt, you can save and track your goals in the apps.

Zeta is quite similar to Honeydue with features like bill splitting, transaction memos, and bill reminders. But unlike Honeydue, Zeta is available as a web and mobile app, which is useful when couples have different usage patterns. 

If reviewing your finances together on a bigger screen is important to you while still able to track your money on the go, you can do so with this app.

Free money coaching for couples is also available with this app.

5) Twine Savings App

This app, offered by John Hancock, is not exactly a budgeting app but is useful for couples to work on their savings goals.

If your financial goals include saving for a trip or paying off debt, you can set it app in the app and decide how much recurring amount you will move from the individual account to the shared account.

Another cool feature of this app is the investment option, where you have total control.

6) Personal Capital

The Personal Capital is a finance app with tons of features but not actually built for couples. You and your spouse will either have to share a login or create two separate accounts with the same information in each.

This cool finance app offers features like budgeting, net worth tracking, retirement planning, and even a brokerage fee analyzer. All of which very useful if in your financial management.

Since this app is not specifically geared towards budgeting, it is not as extensive as the other couple’s budgeting apps are. However, having this in addition to a good budgeting app for couples will help you and your partner have a clear overall financial picture.

7) Good Budget

If you are a cash envelope budgeting fan who does not want to use actual envelopes, then this app is for you. The Good Budget was previously known as the Easy Envelope Budget Aid, which focuses on Dave Ramsey’s envelope budgeting approach but using digital envelopes.

The app allows you to set up a digital envelope for each of your budget categories and set spending cash amount. Then as you incur and track your expenses, you and your partner will see how much is left in the envelope.

If you have goals to save for a big purchase or pay off debt, you can do with this app.

However, the only drawback with this app is it is not automated. You have to either download files from your bank and upload it to the platform or just manually track.

8) Wally

The Wally app kept it simple. It does not have the extensive features that other couple’s budgeting apps have. It is even manual.

However, it does a great job with budgeting. It helps track your and your partner’s income and expenses while offering a snapshot of the remaining budget. Therefore, helping you avoid overspending.

The feature that us unique to Wally is that it supports all currencies, which is useful when budgeting outside the US.

9) Simple

Simple is an online banking app with a budgeting tool built-in. It has all the functionality of an online bank which includes mobile check deposit, external bank linking, and even supports third-party payment services like Square, Venmo, and Paypal.

The budgeting feature lets you track your income, expenses, and even your goals. In fact, it can even automate budgeting by setting aside money for your necessary expenses and for your goals.

And with its own Safe-To-Spend feature, you do not have to worry about overspending. Simple will do the math for you so you’ll exactly know how much you can spend.

Simple also allows you to share an account with your partner through their Simple Shared account. You’ll both have your personal accounts, plus one to share where you can create shared expenses.

10) PocketGuard

Pocketguard is another good app for couples which has the ability to sync all your bank accounts, credit cards, loans and investments so you and your partner get an overall view of your shared finances.

Once you connect all your accounts, Pocketguard will detect all your income and expenses. After that, it will build your budget based on your income, recurring bills and financial goals.

Pocketguard has a cool feature called “in my pocket”, which refers to the amount of money that your family has left to spend after bills and savings are paid.

Final Thoughts On The Best Budgeting Apps For Married Couples

Those are some of the best budgeting apps for couples that you and your partner can use. However, we are living in a world where technology is fast-paced, therefore newer apps will be created and older ones will be updated.

So don’t get too caught up with all the apps out there, the best thing to do is to choose one that works for you and your spouse and stick with your financial plan.

If you do not stick with your financial plan and fail to keep your eyes on the prize, then it does not matter how good your budgeting app is.

Which budgeting apps for married couples are you using?

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Best Budgeting Apps For Married Couples