Chip In - Couples Finances

Chip In is the couples finance app that turns shared money into a shared picture. Our customers save an average of $25–120 per month. Imagine ALL of your accounts—checking, savings, investments, loans, credit cards—in one platform!

Start free: connect one account through Plaid and get 2 full years of history. A small subscription unlocks every account, enriched real-time investment data, full Chip In Intelligence, and account refreshes whenever you need them.

FINANCIAL SYNC
• Plaid-powered connections to thousands of institutions—your credentials never touch our servers
• 1 synced account free, with 2 full years of transaction history
• Transactions, subscriptions, and income refreshed automatically, updated near-hourly
• Premium: connect all your banks, cards, loans, and brokerages, plus on-demand account refreshes

INVESTMENTS
• Fully enriched FMP investment dashboards powered by real-time market data
• Accounts, holdings, and securities in one view
• Advanced charting with filters, top and worst movers, and dozens of data points per stock
• Export all your latest data to CSV or Excel

CREDIT CARDS & LOANS
• Payoff outlook—we predict when each card and loan will be paid off based on how you actually pay
• Statement cycle and grace period data for every card, so you know exactly when interest kicks in
• We tell you when interest-saving balances expire, before they start costing you
• Update balances, rates, and due dates manually whenever your institution lags behind

CHIP IN INTELLIGENCE
• Ask anything in natural language and get advanced reasoning with full conversation context
• Investments, income, expenses, subscriptions, balances, manual transactions, outliers, health and wellness spending, how to save—nothing is off limits
• Answers arrive with tables and charts
• Export any answer to PDF, image, or CSV

PARTNER INTELLIGENCE
• Mention your partner by name and the AI automatically brings both sets of finances into context
• Ask about splits, sharing, and who owes what
• Compare you vs. your partner side by side

RECURRING TRANSACTIONS
• Subscriptions, bills, and income tracked and synced daily
• See what's current, what's coming, and what changed

FORECASTING
• Upcoming bills and income broken down by day, week, and month
• Your next major expenses and your next paydays, front and center
• Spending habits by category and frequency
• Predictive payday amounts driven by advanced algorithms

SPLITS & SHARING
• One-tap splits—50/50, custom amounts, or proportional to your salary
• Category breakdowns show exactly where shared money goes
• Invite your partner in seconds and share only the accounts, transactions, subscriptions, or bills you choose

PAYMENTS
• Settle up through Venmo, Cash App, or record cash and check payments
• Reversible—change your mind and undo the payment record before money moves

RECEIPTS
• Snap a paper receipt and document-AI builds the transaction for you
• Perfect for cash purchases and anything your bank doesn't see

SECURITY
• Zero credential storage
• One-time-password sign-up
• Encrypted cloud architecture and the latest secure protocols

REAL-TIME ALERTS
• Know the moment a sync stalls, an institution needs re-authentication, or anything else needs your attention

FREE VS. PREMIUM
• Free: 1 Plaid-synced account with 2 full years of history, daily sync, splits, sharing, payments, receipts, and alerts
• Premium: every account you own, enriched FMP investment dashboards with real-time market data, full access to Chip In Intelligence and Partner Intelligence, and account refreshes on demand
• Chip In Intelligence runs on OpenAI's latest GPT models—leading edge, and priced fairly for what they cost
• We believe in leading the AI race for financial apps
• Cancel anytime—no phone calls, no chatbots, no hassle

Manage or cancel your subscription anytime in the app or in your Apple subscription settings.

Terms of Use (EULA): https://coupleschipping.in/mobiletermsofservice
Support: support@chipin.mobi