BusimyA finance app for couples: what to look for
A finance app for couples has to keep shared and personal money apart, let you split by what each earns and always show who owes whom. Busimy does all three, for free; bill-splitting apps (Splitwise, Tricount) only cover the shared part.
What it must have
- Shared and personal expenses in the same app, with personal kept private.
- Half and half, a fixed percentage or by income.
- A clear balance of who owes whom, settled whenever you want.
- Both of you recording from your phones.
- If you earn in different currencies, each with its own balance.
The options
| App | Personal and shared | Split by income | Countries |
|---|---|---|---|
| Busimy | Yes, personal kept private | Yes, automatic | Any, any currency |
| Splitwise | Shared only | With manual percentages | Any |
| Tricount | Shared only | With manual percentages | Any |
| Honeydue | Yes, linked to U.S. banks | No | Mainly the U.S. |
| A shared spreadsheet | As you build it | With formulas | Any |
How to start as a couple
- Agree on what is shared: rent, utilities, groceries, going out together.
- Pick how to split: half and half, or by income.
- Each of you records what you pay, right away.
- Once a month, check the balance and settle up.
Frequently asked questions
- Does my partner see all my spending?
- Not in Busimy: your personal expenses are yours alone. What you mark as household, you both see.
- Does it work if we don't live together?
- Yes: share only what you share (going out, trips) and each keep their own.