Fair Splits, Whatever You Each Earn
Bank sync in the 🇺🇸 US & 🇨🇦 Canada
Free
Everything You Need to Start
$0 / month
No ads, no catch.
- Unlimited manual transactions
- 5 shared & personal budgets
- 3 repeating bills and incomes
- Income-based fair splitting
- Shared & personal goals
- Get alerts before you overspend
- No ads, ever
Premium
Covers Both Partners
$11.99 / month
Includes two one-hour sessions per household with a licensed financial professional, US only ($300 value)
For couples who want their bank synced and their money sorted for them.
Everything in Free, plus:
- Automatic bank syncing (Plaid)
- Import files from banks we can't sync
- AI-powered smart categorization
- Unlimited budgets, repeating bills and budget templates
- Unlimited conversations with Penny
- Log expenses in 49 currencies, converted at that day's rate
- Track business income & expenses separately
No credit card required · US & CA only
30-day money-back guarantee.
Our Philosophy
Fair, Not Complicated
Money conversations are hard enough. So we keep it simple: a free plan that's genuinely useful, and no hidden fees.
Everything You Need at a Glance
Splitting & Settlements
Free
Premium
Split expenses by income ratio, not just 50/50
Yes
Yes
Create custom split rules for different categories
Yes
Yes
Settle up anytime, with your full history
Yes
Yes
Currencies & Languages
Free
Premium
Log expenses in 49 currencies, converted at that day's rate
No
Yes
Accounts held abroad count in your net worth, at rates updated daily
No
Yes
Available in English, Spanish, and French
Yes
Yes
Budgeting & Goals
Free
Premium
Shared and personal budgets, suggested from your spending
Up to 5
Yes
Budget vs. actual, with alerts before you overspend
Yes
Yes
Set shared and personal savings goals together
Yes
Yes
Start from a budget template (50/30/20, zero-based)
No
Yes
Transaction Tracking
Free
Premium
Add unlimited transactions manually, anytime
Yes
Yes
Subscriptions and bills, found for you from your bank
Up to 3, by hand
Yes
Track your net worth with manual entries
Yes
Yes
Transactions sorted for you, with your own categories and rules
No
Yes
Connect unlimited banks, cards, loans and investments
No
Yes
Import transactions from your bank's file (CSV)
No
Yes
Reports & Insights
Free
Premium
Spending breakdowns, month over month
Yes
Yes
Detailed reports by category and tag
No
Yes
See where every bit of money went: flow chart and P&L
No
Yes
Download reports as PDF
No
Yes
Forecasting
Free
Premium
Net worth projection from your accounts
No
Yes
Life events (home, kid, career break, retiring)
No
Yes
Saved scenarios to compare
No
Yes
Penny AI Assistant
Free
Premium
Ask Penny about your spending, budgets and splits
5 a month
Unlimited
Ask Penny to log expenses, create budgets, and set goals for you
Yes
Yes
Small Business Tools
Free
Premium
Track your LLC, rental property, or side hustle separately (up to 5 businesses) Learn more
No
Yes
Profit and loss per business, ready for tax season
No
Yes
Expert Guidance & Support
Free
Premium
Two one-hour video sessions per household with a licensed financial professional (US only)
No
Yes
Reach our support team faster with priority email support
No
Yes
Privacy & Security
Free
Premium
Your data is protected with bank-level encryption
Yes
Yes
Personal spending stays completely private from your partner
Yes
Yes
No ads and we never sell your data
Yes
Yes
Bank connections are read-only through Plaid
No
Yes
Happier Couples Start Here
"My partner earns more than me, and I always felt guilty about 50/50 splits. Halfway's income-based splitting is a game changer. We both contribute fairly without the awkward conversations."
"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."
Frequently Asked Questions
All connections to Halfway are secured with SSL/TLS, and your bank connections run through Plaid, so we never see or store your banking credentials. Bank access is read-only: Halfway can read transactions and balances, and can never move money.
You'll keep full access to Premium features until the end of your current billing period. After that, your account automatically switches to the Free plan. No data is lost. You can continue using all manual tracking features, but automatic bank sync and AI categorization will pause until you resubscribe.
Yes. Email hello@meethalfway.app within 30 days of paying and we'll refund you in full. No questions asked.
Yes! The Premium plan covers your entire household. Only one person needs to subscribe, and both partners get full access to all Premium features.
Promo codes apply to subscriptions billed by Halfway on the web. They can't be applied to purchases made through the App Store or Google Play, where there's no place to enter a code and we can't add the discount afterwards. If you have a code, subscribe on the web and enter it at checkout.
Everywhere. Free works worldwide. In the US and Canada, Premium adds bank sync. Everywhere else, Plus adds bank-file import, 49 currencies and forecasting.
Not Sure Which Plan Is Right for You?
Take our free 2-minute quiz first: joint, separate, or somewhere in between? You'll each find out how you want to handle money, and where the two of you differ.
Take the Free Quiz