Who you are
Two people, some shared money.
Rent, groceries, and the bits you both pay for, in one wallet you both log to. What is yours stays yours, and nobody has to remember who paid on Tuesday.
The shared part is the part that gets argued about.
Most of it is not really about money. It is about not knowing. One of you paid for groceries, the other covered a bill, and neither of you wants to be the person keeping the list. A shared wallet keeps the list instead.
- Somebody always ends up being the one who tracks it
- Not everything should be shared, and most apps assume all of it is
- The running total lives in a chat, and it is always out of date
One wallet shared, the rest kept apart.
Sharing is per wallet, so the arrangement covers exactly what you decide it covers and nothing else.
1
Share one wallet for the household.
Rent, groceries, bills. You both add to it, you both watch it move, and the total is current without anyone adding it up.
2
Keep your own wallets to yourselves.
Your personal spending is not part of the shared wallet and never becomes part of it.
3
Log the odd ones in the loan tracker.
When one of you just covers something, write it down once. Nothing is sent to the other person, and nobody keeps score in their head.
What couples reach for.
The shared wallet is the reason most couples install it. The other three are what make it worth keeping.
FAQ
Good to know.
Can we keep some money private?
Yes. Sharing is per wallet. Only the wallet you share is shared, and the rest of your app stays yours.
Do we both need the app installed?
Yes, on both phones. A shared wallet is one balance that two phones log to, and keeping those two in step is what an account is for.
What happens if we stop sharing?
Nothing is deleted. The wallet stops being shared and each of you keeps the records exactly as they stand.
Other ways people use it
Want to work the number out first?
Split bill calculatorWhatever your month looks like, it starts the same way.
Know where your money goes.
Free to start, no account, and you can be logging in under a minute.