10 Best Budgeting Apps for Couples in 2022 (EveryDollar, Mint, and More)

If you're the simple, no-fuss budgeter, then this app is for you. As the name suggests, the app maximizes every dollar to achieve specific goals such as saving for a new house or getting out of debt. It's a beginner-friendly budgeting approach designed by financial guru Dave Ramsey. 

The app is customizable, so you can create a budget template that works for you and your partner. There are no distracting ads, just efficient budgeting. A premium subscription lets you sync bank accounts and access Ramsey's Financial Peace University.

A few reviewers mentioned that it was a bit difficult at first to understand the system. There was no explanation for the process of transferring or adding transactions. They say that it didn't take too long to get the hang of things, though! 

Many loved that it allowed them to budget before each month began by allocating amounts straight into an envelope. Plus, reviewers liked how the app made it easy to see all of their finances. Seeing their debt in one place gave couples the motivation and guidance to pay it off!

Mint was created by the same company known for Quickbooks and Turbotax. Now, there's a lite version of their financial services for couples who want to get into budgeting. It's also completely free and lets you track credit scoring!

Mint categorizes transactions for you, yet allows room for customization. It also has a neat notification system that can remind you of upcoming bills or other payments. Despite it being free, the app boasts of its highly secure encryption for its users. 

Some reviewers had an issue with syncing and updating their accounts. Mint would confirm that all records are up to date, but the transactions were from a few days ago. However, the developers are very accommodating in acquiring feedback to provide a better experience.

Many were pleased that the interface was simple to navigate and recommend the app for those new to budgeting. It made users aware of how much they're spending thanks to the customizable trend charts. So you'll no longer wonder how much you're spending on things like eating out or groceries! 

This app is for couples who prefer handling finances manually, without syncing or automating transactions from bank accounts. You get 20 envelopes in the free version and up to two shared devices. In a paid subscription, you get unlimited envelopes to allocate your budget under any category across five devices.

You and your partner can track debt, such as credit card balances or loans. You can then work together to paying it off by not spending more than the limit of each envelope.

New users were a bit overwhelmed at the system and noted that it takes work to set up the envelopes during startup. The other features also required extra studying for some reviewers. 

However, reviewers liked that the app doesn't ask for personal information or require location settings to be turned on. They were grateful that the free version was enough to get started on budgeting.  

YNAB uses a four-step method that's proven to break that stressful paycheck to paycheck cycle. It gives every dollar a job, predicts future costs, and is flexible with unexpected expenses.

Each of the four steps has a corresponding feature in the app, which achieves your goal of growing savings and minimizing debt. You can sync your bank accounts across multiple devices, track goals, pull up reports, and contact personal support through the app.

A few users had issues with linking the app to their bank accounts and noted that their transactions weren't importing. Those with Wells Fargo accounts needed to reconnect every day. However, many had no problems connecting all of their financial accounts together. 

Reviewers commented that the app helped them get ahead of bills! Instead of watching savings disappear on expenses the moment their paychecks arrive, they were able to be more mindful of spending. Many were encouraged to keep their spending low as they saw their money grow towards set goals. 

This app gives you a real-time view to easily track and manage your finances through its award-winning dashboard. You can see all your accounts in one place, including retirement funds and investments. The charts and graphs give detailed but comprehensible summaries of your financial status. 

You get a report at the end of each month, which is useful for discussing finances with your partner. You also have the option to sign up for the Wealth Management service, a feature that uses extensive tax optimization strategies on investments. 

Reviewers noted that as they increased the number accounts being handled by Personal Capital, the longer it took to sync and refresh everything. There are also moments when they needed to authenticate every time they logged in.

On the plus side, the app can handle all finances in one highly-convenient location. Users got a full picture of their finances and noted that the service and interface of the app keeps improving, which is reassuring. 

Honeyfi is an excellent hybrid budgeting app that caters to each partner's unique money habits. It has an incognito mode, which lets you control what your partner sees so that you can have privacy with personal funds. It's up to you how little or how much will be shared with your partner. 

You can also message one another straight from the app and talk about your checking, savings, investments, retirement, mortgages without switching apps. It also sends notifications about spending! There's full transparency about where your money is going and who is spending what. 

Reviewers disliked that there was a limited number of banks and other financial institutions that you can link to the app. They hope that the list will be expanded! 

Reviewers were grateful that the customer service was very accommodating and made sure all issues were resolved. Many users saw improvements in how their relationship regarding money issues and budgeting. 

Wally gives you a complete view of your money, noting what comes in and what goes out. It gives you the tools to understand the movement of every dollar to help you achieve your financial goals. It also lets you handle international accounts all in one place!

Wally's basic features are available for free with no ads. They recently added a reasonable $1.99 per month subscription that unlocks all of the app's perks, such as currency converters and advanced categories. You can even take photos of receipts and add them with a transaction for record-keeping.

Reviewers noted that the app doesn't let you create or define your own expense categories. although the suggestions and available options are quite versatile. 

Many users loved the clean interface, which was very easy to use. They could quickly see trends and the current status of their budget. The app has gone through many updates, proving that the developers take feedback seriously. 

The app lets you track all of your bank accounts, loans, investments, and other financial information collectively with your partner. It supports over 20,000 financial institutions across five countries. And just like the name suggests, you get to remind your honey of bills that are due. 

It also has in-app chatting capabilities, so you can communicate money with ease. If you and your partner are interested in more, Honeydue offers a joint bank account insured through Sutton Bank. 

A few users had issues with their bank transactions slowly updating. On such occasions, they wish they could manually add credit card transactions before they appear in a bank statement. However, many users had no trouble seamlessly syncing their accounts. 

Many couples, partners, and even siblings found the app very useful in helping them track bills and other money matters. Reviewers said that it's easy to add accounts, the interface is great, and the available categories were on point. 

Zeta is designed for all kinds of couples, no matter what stage they're in in the relationship. It can manage individual and shared monthly spending, figure out finances for a wedding, and help set goals for the family. 

The app lets you manually update your budget without being forced to link an account. You can tag your partner with questionable transactions and split expenses. It also has a section for goals to keep everyone focused and motivated.

A few users mentioned that the app could be confusing and overwhelming to maneuver in the beginning. The loading time could be slow as well. However, many liked the envelope system that allows you to keep separate accounts while using the same budgeting tool. 

The ability to split transactions was a favorite among users because it made bills easier to manage. Couples are kept on the same page with the Zeta app! 

PocketGuard tackles budgeting differently. It keeps a close watch on your expenses and requires you to have a minimum of $1 a day in savings. It will then notify you how well you're doing with it's "In My Pocket" feature. This tells you the amount of money you have left to spend after all of your expenses. 

The software is well-developed to detect monthly bills and income from your financial accounts. You get a near real-time computation of your budget as a couple. The spending limit feature is helpful to avoid overspending and stick to your goals.

Reviewers mentioned that the app does not allow you to split a transaction into multiple categories. On the other hand, many liked that they could easily see how much disposable "cash" they had to spend with the "In My Pocket" feature. 

The customer service is great, too! They use feedback to improve the app further. Many reviewers appreciate that they didn't have any issues syncing their accounts with the software.