Chip In - Couples Finances

Chip In is the couples finance app that turns shared money into a shared picture—and now it tells you what needs attention before it costs you. Our customers save an average of $25–120 per month. Every account, every bill, every split, both partners, one place.

Start free: connect one account through Plaid and get 2 full years of history, daily sync, bill tracking, forecasts, splits, settle-ups, and Smart Signals. All Access unlocks up to 15 accounts, investments, Chip In Intelligence, and more.

SMART SIGNALS

A daily feed on Home, Accounts, and Recurring, ranked most urgent first and curated by AI
Charged after you cancelled, a cash shortfall in the next 14 days, a late paycheck, a trial about to bill—flagged before they hit
Price hikes, renewals, fees, overlaps, and bills worth negotiating
Tap any signal for the bottom line, the findings, and your next move

BILLS, SUBSCRIPTIONS & FORECAST

Cash-flow forecast for 2 weeks, 30, or 90 days, with paydays and your low point
What's due before payday and what's left after bills clear
Price changes: every increase and decrease, with history per item
Needs Review: swipe to confirm or skip, and let AI fix mismatched categories in one tap
Bills & Subscriptions Checkup: savings, tasks, trends, and where the money goes
Your edits survive every Plaid sync

ACCOUNTS

Net worth history and a searchable account directory with nicknames
Freshness per account, monthly change, and a reconnect banner the moment a connection breaks

SPLITS, SETTLE UP & PAYMENTS

One-tap splits—50/50, custom, or proportional to income
Auto Split a recurring bill once; every future charge splits itself
Settle Up in batches, reverse a split, pay through Venmo or Cash App, or record cash and checks
Invite your partner in seconds and share only what you choose
Split Intelligence (All Access): AI recommends the ratio, with its reasoning, before you tap SPLIT

CHIP IN INTELLIGENCE (All Access)

Ask anything in plain English across spending, income, subscriptions, cards, loans, and investments
Every number is computed from your own transactions before the AI writes a word
Charts and tables on demand; export answers to PDF, image, or CSV
Mention your partner by name and both sets of finances come into context

INVESTMENTS (All Access)

Real-time quotes, performance, allocation, holdings, and movers
Dividends: trailing-12-month, year-to-date, and lifetime income, plus upcoming payments
Performance Insights: monthly returns, drawdown, and which holdings drive or drag
Investment Alerts for price targets, drawdown, 52-week levels, and more

CREDIT CARDS & LOANS

Utilization, APRs, minimums, and due dates in your own time zone
Card Spend Alerts at 75%, 90%, and 100% of your limit
Credit Journey (All Access): debt-free date, promo APR expiry alerts, statement cycles, what each balance costs you this month, and "pay only the minimum" vs. a 3-year payoff plan

RECEIPTS & MANUAL ENTRIES

Snap a receipt and document-AI builds the transaction
Unlimited manual entries for cash and anything your bank doesn't see

SECURITY

Zero credential storage—your logins never touch our servers
One-time-password sign-up, encrypted in transit and at rest
Your partner sees only what you share

FREE VS. ALL ACCESS

Free: 1 Plaid-synced account, 2 years of history, daily sync, Smart Signals, bills and forecasts, splits, sharing, payments, receipts, and alerts
All Access: up to 15 accounts, investments, Chip In Intelligence, Split Intelligence, Credit Journey, and on-demand refresh across every account
Monthly or yearly. 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