Apps for couples’ expenses: choosing what fits
To work out who owes whom, start with a splitting app such as Tricount, Splid or Splitwise. To manage the whole month, compare shared wallets, budgets and net worth as well. Sharing a subscription does not guarantee that an app calculates debts.
Published by Aurio, one of the products compared.
Desk review of official sources on 13 November 2026. This is not a hands-on test of every app or a quality ranking. Order follows use cases; prices and features may change.
Options for different needs
| Option | What it suits | Price and access | Limitation to consider |
|---|---|---|---|
| Tricount | Split group expenses and track reimbursements. | Free, with no ads or daily expense limit. | Its published automatic capture uses a bunq card; this is not general bank synchronisation. |
| Splid | Split costs without registration and use groups offline. | The website presents a free app with PDF/Excel export. | Focused on group balances; check the store for paid extras. |
| Splitwise | Keep balances between people and groups. | Free up to 4 expenses per day; Pro removes that limit. | The limit may matter for several daily purchases. Check local Pro pricing before paying. |
| Spendee | Manual tracking or shared wallets; bank connection with Premium. | Free manual plan; Plus adds shared wallets. | Its website shows US App Store prices; we do not present those as Spanish prices. |
| Aurio | Personal and shared expenses, budgets and net worth, in Spanish and English. | Free; Premium €49.99/year or €5.99/month. Seven-day trial on the monthly plan only. | No bank-account synchronisation. Update through entries, statements or Shortcuts; Aurio does not move money. |
| Dinerio | Spending, budgets, net worth and couples finances without bank access. | 14-day trial; €3.99/month, €35.88/year or €99.99 once. | Paid after the trial. These are standard rates; promotions have separate dates and conditions. |
| YNAB | Plan available money using its method and view reports. | Website: USD 109/year or USD 14.99/month, plus applicable tax; 34-day trial. | No permanent free plan. Sharing a subscription with up to six people is not the same as splitting a debt. |
Decide what you want to share first
A trip needs a record of who paid and each person’s share. A household also needs an agreement about shared expenses and what remains private. Before importing anything, check whether both of you can view and correct an expense without sharing passwords.
The split matters more than the order of this list
Fictional example: incomes of €1,800 and €2,700, with €1,350 of shared spending. Equal shares are €675 each; income-based shares are €540 and €810. The linked calculator lets you reproduce both scenarios. The rule is your decision; the app should reflect it.
When Aurio fits
Aurio includes unlimited groups and shared expenses in Free, alongside budgets and net worth, if you want splitting and personal tracking together. You can record a settlement, but payment happens outside Aurio. We have not tested guest onboarding without an account here and do not promise it.