spentio.

Budgeting app for couples

In Spentio you share one budget: each of you adds what you spend on your own phone, and you both see the same numbers, from bills and savings to what you've spent this month. Your personal money stays in a profile of its own, and there's no bank login. Here's how it compares with four other apps.

Download on the App StoreGet it on Google Play

Updated November 2026

apps compared
5
features compared
8

In short

Pick what you need

Tap what matters to you two and see which apps have all of it.

  • SpentioOur app
    • YesShared budget
    • YesAlso on Android
    • YesPersonal and shared kept apart
    • YesBudget per category
    • YesBills and fixed costs
    • YesSavings goals
    • YesReads receipts
    • YesShows what's left

    Last update: Nov 2026

  • Honeydue
    • YesShared budget
    • YesAlso on Android
    • YesPersonal and shared kept apart
    • YesBudget per category
    • YesBills and fixed costs
    • NoSavings goals
    • NoReads receipts
    • NoShows what's left

    Last update: Oct 2026

  • Goodbudget
    • YesShared budget
    • YesAlso on Android
    • NoPersonal and shared kept apart
    • YesBudget per category
    • YesBills and fixed costs
    • YesSavings goals
    • NoReads receipts
    • YesShows what's left

    Last update: Nov 2026

  • YNAB
    • YesShared budget
    • YesAlso on Android
    • YesPersonal and shared kept apart
    • YesBudget per category
    • YesBills and fixed costs
    • YesSavings goals
    • NoReads receipts
    • YesShows what's left

    Last update: Nov 2026

  • Monarch
    • YesShared budget
    • YesAlso on Android
    • NoPersonal and shared kept apart
    • YesBudget per category
    • YesBills and fixed costs
    • YesSavings goals
    • NoReads receipts
    • NoShows what's left

    Last update: Nov 2026

A cross means we didn't find it on the app's App Store listing, Google Play page or website on November 9, 2026.

The apps one by one

Spentio

Our app

For couples who want one shared budget and would rather keep their bank out of it.

Good

  • Share a profile: each of you adds from your own phone, and you both see the same spending, bills and savings goals.
  • Keep your own money separate: your personal budget stays in your own profile, apart from the shared one.
  • Scan a receipt and the purchase is in. No bank login, no account to create and no ads.

Drawbacks

  • You both need the same kind of phone: a profile is shared between two iPhones or two Android phones, not between an iPhone and an Android.
Download on the App StoreGet it on Google Play
See what Spentio does

Honeydue

For couples who want their bank accounts in one place and to talk about spending in the app.

Good

  • Each of you chooses what your partner sees.
  • Monthly limits per category, with an alert when you get close, and reminders to pay bills.
  • On iPhone and Android.

Drawbacks

  • Built around linking your bank accounts.
  • We didn't find savings goals or receipt reading.

Goodbudget

For couples who like the envelope method and don't mind entering spending by hand.

Good

  • One budget on iPhones, Android phones and the web, so it works for a mixed couple.
  • Every envelope shows what's left to spend in it.
  • Scheduled transactions, plus envelopes for yearly costs and goals.

Drawbacks

  • We didn't find a way to keep a personal budget next to the shared one.
  • Automatic bank sync works with US banks only; elsewhere you enter everything yourself.

YNAB

For couples who want to plan their spending together, before it happens.

Good

  • Share plans with up to six people, and keep other plans to yourself.
  • Link your accounts or add transactions by hand.
  • Targets for each category, and you always see how much you have to spend.

Drawbacks

  • We didn't find receipt reading: you can attach a photo to a transaction.

Monarch

For couples who want every account, bill and goal in one dashboard.

Good

  • Invite your partner or anyone in your household to work on the money together.
  • Flex or category budgets, and bills and subscriptions on a calendar.
  • Goals you can put money toward each month.

Drawbacks

  • Built around connecting your accounts; its listing doesn't describe adding spending by hand.
  • We didn't find a way to keep some accounts private from your partner.

How to set up a shared budget in Spentio

Each of you needs Spentio on your own phone: two iPhones or two Android phones.

  1. Create a profile for what you share, "Home" for example, with your income, bills and savings.
  2. Share the profile and send your partner the invite link.
  3. Your partner opens the link on their phone and asks to join, and you approve.
  4. From then on you both add what you spend and see the same numbers. Your personal budget stays in your own profile.
See what Spentio does

Questions

Is there a budgeting app for couples with separate accounts?
Spentio keeps them apart by design. Each of you has a personal profile, and you share a separate one for joint costs like rent and groceries. You both add to the shared one; what you spend on your own stays in yours.
Can we share a budget if one of us has an iPhone and the other an Android?
Not yet. In Spentio a profile is shared between two iPhones through iCloud, or between two Android phones through Google Drive. An iPhone and an Android phone can't share the same profile.
Does Spentio split expenses between us?
No. Spentio is a shared budget: you both add what you spend and see the same numbers, but it doesn't work out who owes whom.
Do we have to connect a bank?
No. Spentio never asks for your bank login. You add what you spend, scan the receipt, or import a file from your bank.
Does it work in the UK, Canada or Australia?
Yes. Spentio doesn't connect to any bank, so it doesn't matter where you live or which bank you use.

One budget, two phones

Share a profile and you both see the same thing: what's been spent, what goes out every month and what you're saving. On iPhone and Android.

Download on the App StoreGet it on Google Play

By Tupungato Studios

How we compared: Everything about the other apps comes from their App Store listing, Google Play page or website, read on November 9, 2026. We check again every month. These are the pages we read: