Manage money together without the stress

Start for free and upgrade when you're ready. Simple, transparent pricing for a simpler financial life together.

Trusted by couples in 30+ countries
Bank sync in the πŸ‡ΊπŸ‡Έ US & πŸ‡¨πŸ‡¦ Canada β€’ Free manual tracking worldwide

Premium

Covers Both Partners

$9.99 / month

Includes two free sessions with a registered financial advisor ($300 value)

For couples who want to automate their finances, gain deeper insights, and access expert financial guidance.

Everything in Free, plus:

  • Automatic bank syncing (Plaid)
  • AI-powered smart categorization
  • Unlimited Penny AI messages
  • Track business income & expenses separately
  • Get a free 1:1 session with a registered financial advisor

Free

Everything You Need to Start

$0 / month

Everything you need to manage money together. No limits, no ads, no catch.

  • Income-based fair splitting
  • Shared & personal budgets
  • Shared & personal goals
  • Get alerts before you overspend
  • No ads - ever
Get Started Free

Our Philosophy: Fair, Not Complicated

Money conversations are hard enough. Your budgeting tools shouldn't add to the stress. That's why we keep it simple: a generous free plan with everything you need to start, and one affordable upgrade that covers your entire household. No per-person pricing, no hidden fees, no surprises. Just the tools you need to build a stronger financial future, together.

Everything you need, at a glance

Both plans help couples manage money together. Premium unlocks automation, AI, and expert guidance so you spend less time on finances and more time together.

Splitting & Settlements
Free
Premium
Split expenses by income ratio, not just 50/50
Create custom split rules for different categories
Settle up and track who owes what in real time
See your full settlement history anytime
Budgeting & Goals
Free
Premium
Create shared and personal budgets that work for both of you
See exactly how your spending compares to your budget
Review your budget history month by month
Set shared and personal savings goals together
Get alerts before you overspend
Transaction Tracking
Free
Premium
Add unlimited transactions manually, anytime
Track subscriptions and upcoming bills in one place
Track your net worth with manual entries
Set rules to organize transactions your way
Connect your bank and see transactions appear automatically
Transactions are categorized automatically using smart rules
Subscriptions are detected and tracked for you
See your net worth update as your accounts sync
Link unlimited bank and investment accounts
Reports & Insights
Free
Premium
See where your money goes with spending breakdowns
Get detailed reports and deeper spending analysis
Compare your spending month over month
Analyze spending by category and custom tags
Get budget suggestions based on your spending patterns
Penny AI Assistant
Free
Premium
Ask Penny about your spending, budgets, and splits (10 chats/month)
Ask Penny anything, anytime, with no limits
Small Business Tools
Free
Premium
Track your LLC, rental property, or side hustle separately (up to 5 businesses)
See dedicated profit & loss reports for each business
Export business data to CSV for tax season
Expert Guidance & Support
Free
Premium
Get a free 1:1 session with a registered financial advisor
Reach our support team faster with priority email support
Be first to try new features before anyone else
Privacy & Security
Free
Premium
Your data is protected with bank-level encryption
Personal spending stays completely private from your partner
No ads and we never sell your data
Bank connections are read-only through Plaid
Language Support
Free
Premium
Available in English, Spanish, and French

Happier Couples Start Here

Sofia
"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."
Bharat & Ilana
"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."

Not Sure Which Plan Is Right for You?

Take our free Couples Money Compatibility Quiz first. You'll discover your money personalities and get personalized recommendations - including whether Halfway is the right fit.

Take the Free Quiz