Halfway: Couples Budgeting

A personal finance app built for couples who don't earn the same. One of you earns more. The other earns less. Splitting everything 50/50 feels wrong because it is wrong. Halfway automatically splits shared expenses based on what each of you actually earns. Both of you contribute fairly without the resentment.

Couples who use Halfway argue about money 43% less. Based on a Halfway user survey. Free to start. Free to stay.
- No credit card. No expiring trial. The core features of Halfway are free forever. Upgrade only if you want automatic bank sync, Penny AI, and 1:1 sessions with a registered financial advisor.

WHAT REAL COUPLES ARE SAYING
"My partner earns more than me and I always felt guilty about 50/50 splits. Halfway's income-based splitting changed everything. We both contribute fairly without the awkward conversations."
Sofia, Berlin

"We used Splitwise for years but it always felt like we were roommates keeping score. Halfway actually understands how couples share money. It's simpler and way less transactional."
Bharat & Ilana, Toronto

"We're not ready to merge bank accounts but we wanted transparency on shared bills. Halfway gives us both complete independence and total clarity."
Marcus & Alex, San Francisco

THE ONLY APP THAT SPLITS BY INCOME, NOT BY HABIT
Every other budgeting app splits 50/50 or asks you to figure it out yourself. Splitwise treats couples like roommates keeping a tab. Halfway is the only budgeting app built on the idea that fair means proportional, not equal. Set your incomes once. Every shared bill splits accordingly. Forever.

EVERYTHING YOU GET
- Income-based expense splitting (60/40, 70/30, any ratio)
- Shared budgets and personal budgets in one app
- Real-time settle up so you always know who owes who
- Penny, your AI financial assistant who knows your actual numbers
- Free 1:1 sessions with a registered financial advisor
- Automatic bank sync via Plaid (Premium)
- Subscription, reminders, and bill tracking with shared and personal categories
- Custom split rules (50/50 for dining, income-based for rent)
- Net worth tracking
- Monthly reports and budget vs actual history
- Available in English, Spanish, and French

BUILT FOR COUPLES, NOT INDIVIDUALS
Most budgeting apps were designed for one person. Mint, YNAB, Monarch, Rocket Money, all built around individual budgets. Halfway is built from the ground up for two people sharing a financial life. Shared bills. Private spending. Fair contributions. Everything two people need to manage money together.

YOUR DATA IS NEVER FOR SALE
Unlike free budgeting apps that profit from your data, Halfway is built on trust and security. Zero ads. Zero data brokers. Personal spending stays private from your partner. Read-only access via Plaid means Halfway can see your transactions but can never move your money. You pay us, so no one else has to.

PERFECT FOR
Couples and families with different salaries. Newlyweds combining finances. Engaged couples planning their future. Domestic partners. Long-term couples who haven't merged bank accounts. Anyone tired of 50/50 splits that quietly create resentment. Bilingual, Spanish-speaking, and French-speaking households.

UPGRADE TO PREMIUM ANYTIME
Premium unlocks automatic bank sync via Plaid, Penny AI, 1:1 advisor sessions, and advanced insights. Cancel anytime. The free plan stays generous.

Download Halfway. Fair from day one.

Recent changes:
A fresh update with some nice upgrades and a few bugs squashed along the way.

- A cleaner, easier-to-read Settlement Report
- Settle up one month at a time
- Export your settlement report as a PDF or CSV
- A refreshed Help Center with smarter search
- Penny knows the app even better
- Lots of small fixes and polish