Most couples apps ask both of you to link every bank account and merge everything. NetWorth+ works the other way: add the shared bills, split them the way you agreed, and keep the rest of your money your own. No bank login, and no joint account needed.
Example: one month
You and Sam
An illustration. Names and amounts are made up.
In short
NetWorth+ is a budgeting app for couples, free on iPhone and Android, that never asks for a bank login and does not need a joint account. You add the shared bills, split each one equally, by percentage or by exact amounts, and the app keeps a running balance of who owes whom until you settle up. Each of you keeps your own accounts, budget and goals. If you want your partner to see an account, you can share its name and balance read-only, and either of you can stop sharing at any time.
Bank login
Never asked for
Splits
Equal, %, or exact $
Sharing
Read-only, one account at a time
Price
Free. Pro $49.99 a year
The problem
There are two kinds of money app for couples, and most couples are neither.
The first kind links both of your bank accounts and shows everything to both of you. That suits couples who have fully merged their money. It is a big ask for everyone else: one of you paying down student loans alone, one of you self-employed, or two people who simply like some privacy.
The second kind is a bill splitter. It tracks who owes whom and stops there, so your shared costs never reach your own budget or your net worth.
How it works for two
Choose the split when you add the bill: 60/40 rent for two different salaries, 50/50 groceries, or exact dollar amounts.
NetWorth+ totals who owes whom across every shared bill. Settle up when it suits you and record the payment, and the balance starts again.
Want your partner to see the joint checking balance or your savings? Share that one account. They see its name and balance, never its transactions.
You never give NetWorth+ a bank login. Add expenses yourself, or type them to Numo, the built-in assistant, or scan a receipt.
Getting started
Start a group and add your partner. Each of you uses NetWorth+ on your own phone, with your own login.
Rent, groceries, utilities, the car. Say who paid and how it is split, and the balance updates.
Pay each other back by Venmo, Zelle or cash, record it in the app, and the balance goes back to zero.
Your accounts, budget and goals stay in your own app. Share an account read-only only if you want to.
Compared
| Bank-linked couples apps | Bill-splitting apps | NetWorth+ | |
|---|---|---|---|
| Works without your bank login | No | Yes | Yes |
| Imports transactions automatically | Yes | Rarely | No |
| Uneven splits, like 60/40 | Depends on the app | Yes | Yes |
| Running balance of who owes whom | Depends on the app | Yes | Yes |
| Your own budget and net worth | Usually | No | Yes |
| Partner sees only what you share | Depends on the app | Only the shared bills | Yes, one account at a time, read-only |
| Price | Varies. Monarch is $99.99 a year | Free plans available | Free. Pro $49.99 a year |
Bank-linked apps do one thing better: they import every transaction for you. If that matters more to you than keeping your bank login to yourself, one of them is the better fit. Monarch's price is from monarchmoney.com, checked October 2026.
Everything most people need to track their money.
or $49.99 a year
Yearly works out cheaper.
Sign in with the account you use in the app. Cancel any time.
US prices, checked October 2026. Prices in every country
Sharing is narrow on purpose. Sharing one account shows its name and balance and nothing else: not its transactions, and not your other accounts. Your partner cannot change your records, and either of you can end the sharing at any time without asking the other.
Questions
Free on iPhone and Android. No bank login, no joint account, no ads.
Android and iPhone. No bank login. No ads.