Shared household budget for couples
No credit card required
We know these conversations
Unequal incomes, spending decided on the fly, the money talk pushed to the weekend. That is what a shared household budget looks like in most relationships — and where most arguments start.
Anna
I paid for the groceries yesterday. Again.
Mark
And I covered rent and electricity. Roughly even, right?
Equal is not always fair. When you earn differently, the same bill weighs differently on each of you.
Mark
How much did we actually spend this month?
Anna
No idea. I didn’t count.
When neither of you has the full picture, all that is left is guessing. And guessing quickly turns into blame.
Anna
Are we saving for the deposit or not?
Mark
We’d have to start somewhere.
A flat, a wedding, a child. Without a shared counter, every plan stays a conversation.
The first of those conversations has a concrete answer.
Calculate a fair splitCalculator
Enter two incomes and your shared expenses. You will see the income-proportional split and how much extra the lower earner pays under a 50/50 split.
You can set up a shared budget in under a minute. No complicated forms, no credit card, no need for both of you to sign up on day one.
Registration takes 30 seconds. Enter your email, set a password - done. You can start on your own.
Enter shared bills, groceries, subscriptions. OurMoney automatically calculates who should contribute what.
Send an invite with one click. From now on you both have shared visibility into finances and goals.
No credit card · Account ready in 30 seconds
Not another Excel spreadsheet. A shared household budget app with expense splitting, envelopes and bank import - built specifically for couples.
AI analysis
OurMoney analyses your spending and tells you plainly what went well, what is drifting and what to do about it. No spreadsheets, no digging through statements.
You spent 8,640 zl on a joint income of 11,000 zl. You saved 1,200 zl, which is 11% of your income - two points less than last month, mostly due to higher energy bills.
Groceries under control
1,180 zl, which is 9% below your three-month average. Most of the saving came from fewer food deliveries.
Subscriptions creeping up
Four active subscriptions add up to 148 zl a month. Two of them have not been used for two months.
Increase the Holiday goal contribution
Priority: highAt the current pace you will reach the goal in March instead of January. An extra 200 zl a month closes the gap.
Goal reached two months sooner
The report is built from your real transactions - you get the first one after a full month of shared budgeting. The example above uses illustrative data.
OurMoney never judges who spent more. It shows your shared finances so both of you see the same picture and can agree without arguing about money.
Biedronka
Zakupy spożywcze
129,89 zł
23.02.2026
Paliwo
Samochód
312,23 zł
28.02.2026
Reviews from couples using OurMoney every day - on splitting expenses, shared goals and talking about money without tension.
OurMoney is an app that makes agreeing on shared finances easier than deciding who walks the dog on Saturday morning. Highly recommend — and waiting for the dog-negotiation app too ;)
OurMoney is a simple and transparent tool for couples who want to effectively control shared expenses and plan future investments. Recommended for anyone who values organized, transparent financial management.
OurMoney is literally — our expenses in one place. Easy to use, clear for tracking purchases, and with huge potential for tracking more and more financial aspects. Great for anyone who wants to start monitoring their cashflow better.
OurMoney does one thing and does it brilliantly. Shared finances stop being something couples avoid talking about.
We used to split everything 50/50 and it always felt tense, because we earn different amounts. With OurMoney we see our shared budget and an expense split proportional to our incomes - talking about money now takes us five minutes a week.
OurMoney is an app that makes agreeing on shared finances easier than deciding who walks the dog on Saturday morning. Highly recommend — and waiting for the dog-negotiation app too ;)
OurMoney is a simple and transparent tool for couples who want to effectively control shared expenses and plan future investments. Recommended for anyone who values organized, transparent financial management.
OurMoney is literally — our expenses in one place. Easy to use, clear for tracking purchases, and with huge potential for tracking more and more financial aspects. Great for anyone who wants to start monitoring their cashflow better.
OurMoney does one thing and does it brilliantly. Shared finances stop being something couples avoid talking about.
We used to split everything 50/50 and it always felt tense, because we earn different amounts. With OurMoney we see our shared budget and an expense split proportional to our incomes - talking about money now takes us five minutes a week.
OurMoney is an app that makes agreeing on shared finances easier than deciding who walks the dog on Saturday morning. Highly recommend — and waiting for the dog-negotiation app too ;)
OurMoney is a simple and transparent tool for couples who want to effectively control shared expenses and plan future investments. Recommended for anyone who values organized, transparent financial management.
OurMoney is literally — our expenses in one place. Easy to use, clear for tracking purchases, and with huge potential for tracking more and more financial aspects. Great for anyone who wants to start monitoring their cashflow better.
OurMoney does one thing and does it brilliantly. Shared finances stop being something couples avoid talking about.
We used to split everything 50/50 and it always felt tense, because we earn different amounts. With OurMoney we see our shared budget and an expense split proportional to our incomes - talking about money now takes us five minutes a week.
See what changes in running shared finances once every expense lands in one place and the splitting rule is agreed up front.
OurMoney is the only tool designed specifically for couples - not roommates, not groups.
| OurMoney | Excel | Splitwise | Notes | |
|---|---|---|---|---|
| Built for couples | ||||
| Income-proportional splitting | ||||
| Shared savings goals | ||||
| Privacy (mine/yours/ours) | ||||
| Automatic calculations | ||||
| Works on any device |
Finances are a sensitive topic. That's why we prioritize security.
All data travels over an encrypted TLS connection - nobody in between can read it.
We don't sell data. We don't show ads. Your finances are your business.
You decide what's shared and what's private. You can delete your data anytime.
We operate in full compliance with European data protection standards.
Pricing
Day-to-day budgeting costs nothing and has no limits - on your own or together with your partner. You only pay for full history, AI analysis and transactions pulled straight from your bank.
0 PLNforever
Everything you need day to day. No card, no trial period.
In this plan:
What is not included:
39.99 PLN/mo
or 399.99 PLN per year - 2 months free
The same as the free plan, only without any limits.
In this plan:
Prices in PLN, VAT included. The free plan needs no card and never expires - you can turn Premium on and off in the app whenever you want.
The most common questions about a shared budget for couples - expense splitting, privacy, data security and using the app without your partner.
Start together - for freeNot at the start! One of you can try the app first, and when you're ready - invite your partner and start using it together. This way you get 100% out of it without needing both of you on board from day one!
Yes - the basic plan is free forever and needs no credit card. Day-to-day budgeting has no limits: add as many expenses as you want and split them between you. The free plan only caps custom categories, history length, bank imports (1 per month) and receipt scans (5 per month). AI analysis and bank integration are part of Premium - 39.99 PLN per month or 399.99 PLN per year.
You can choose from four options: 50/50 split or proportional to income (e.g. 60/40 if one of you earns more). OurMoney automatically calculates who should contribute what. You can also track without a set split, or use a predetermined budget.
OurMoney is a Progressive Web App (PWA) - it works on any device through the browser. You can add it to your home screen just like a native app. One account, access everywhere!
OurMoney is a PWA - you install it straight from your browser, no App Store or Google Play needed. On iPhone: open app.ourmoney.pl in Safari, tap the share icon and choose 'Add to Home Screen'. On Android: open the site in Chrome and pick 'Install app' from the menu. Once installed, OurMoney works like a regular app - with its own icon and offline support.
Yes. The connection to the app is encrypted with TLS, so nobody in between can read your transactions. We don't sell data and we don't show ads - OurMoney doesn't make money off your finances. We process data in line with GDPR, and either of you can delete your data from the app at any time. What exactly we collect and why is described in our Privacy Policy.
Set up a shared household budget in minutes - free, no credit card required.
Start on your own - add your partner later