Inflation is hitting everyone hard these days, and money is a point of stress for nearly everyone. Finances impacts all of our relationships, and especially when we’re working as a team when part of a couple. Going from dating to engaged to deciding to get married means that you and your partner will be taking your relationship but also your finances to the next level. This requires support, advice, and helpful tools to navigate things efficiently, clearly, and simply as possible.
How to Manage Finances as a Couple
Here at The Budget Savvy Bride, we love sharing helpful tools, services, and products to help you to be savvier in life and wedding planning. So of course we want to share tools to help you manage your money for the wedding day and beyond! I’m talking about utilizing little pieces of software that you can install on your smartphone… aka Money Apps or Budgeting Apps!
Best Budgeting Apps for Couples
Below, you’ll find some of the best money apps we’ve discovered that could come in handy in budgeting for your wedding, saving up for the big day, building wealth as a couple, or even sending vendor payments! As an FYI, they are presented in Alphabetical order, with no preferential treatment or placement applied.
Most of these apps are available for both iPhone and Android devices, while some are more web-based, so no matter what type of smartphone you’re rocking, you’ll be able to use one of these helpful financial apps. Budgeting apps might be just what you need to get you back on track and even set some financial goals too! Here are a few personal finance apps you may want to explore with your partner.
*TOP SAVVY PICK*
Plenty Financial
Web-Based Application
- Joint Investment Accounts: Grow wealth together with joint accounts and personalized investment strategies.
- Goal-Oriented Saving: Set and track shared financial goals, like saving for your wedding or honeymoon.
- Automated Wealth Management: Use a robo-advisor to optimize investments and manage wedding-related savings efficiently.
About the Plenty App
Plenty is a great choice for couples looking to build wealth together. It offers joint and individual investment accounts, all managed by a robo-advisor that simplifies investing with smart algorithms. You’ll get a clear view of all your accounts in one place, making it easy to track progress toward both short-term goals like weddings and long-term dreams like retirement.
Designed with millennials and young couples in mind, Plenty keeps money management simple and automated. Whether you’re saving together or managing separate finances, the platform helps you stay organized and on track with shared goals. It’s an easy, effective way for couples to grow their wealth and plan for the future. For completely FREE, you and your partner can utilize Plenty to help get on the same page and path towards making your dreams and goals come true!
*2ND SAVVY PICK*
Empower
Available on iOS or Android
- Retirement & Net Worth Tools: Plan for retirement and track your net worth.
- Holistic Financial Overview: Link all accounts for a complete financial picture.
- Investment & Budgeting Insights: Track investments and manage budgets effectively.
About the Empower App
Empower aims to be your one-stop financial hub. Their mobile app lets you connect all your accounts, from bank accounts to retirement plans, giving you a complete picture of your money. They offer tools to track spending, set budgets, and build good credit. Plus, access features like instant cash advances (with limitations) to help with unexpected needs. Empower also provides educational resources to boost your financial confidence and guide you towards achieving your financial goals.
You can opt into wealth management services with a personal advisor for a fee, but the Empower Personal Dashboard is 100% free to use and connects with hundreds of banking institutions to keep an updated overview of your assets, spending, and net worth.
Copilot
Available on iOS or Android
- AI-Powered Budgeting: Automatically track spending and create personalized budgets.
- Subscription Management: Identify and monitor recurring subscriptions.
- Comprehensive Financial Tracking: Sync all accounts for a complete financial overview, including investments and expenses.
About Copilot App
Copilot is a budgeting and finance tracker app that uses AI to help you manage your money. It automatically tracks spending, categorizes transactions, and creates personalized budgets based on your habits. The app also helps you monitor investments and identify recurring subscriptions, so you can stay on top of your finances.
Copilot goes beyond basic budgeting by offering deep insights into your financial health with easy-to-understand visuals and reports. Its AI-driven approach adapts to your unique spending habits, helping you make smarter financial decisions in real-time. Whether you’re focused on hitting savings goals, optimizing investments, or cutting unnecessary expenses, Copilot provides actionable recommendations tailored to your lifestyle, giving you the control and clarity you need to achieve your financial goals.
Budget Savvy Bride readers can use code FUHRH8 to get 2 months free!
You Need A Budget
Available on iOS and Android
- Proven Budgeting Method: Use YNAB’s four-rule system to help you take control of your finances.
- Real-Time Expense Tracking: Sync all accounts for up-to-date tracking of your spending and savings.
- Goal Setting & Debt Tracking: Create personalized financial goals and track progress on debt repayment.
About the You Need A Budget App
If you want to get a handle on your household finances, budgeting well is the key, and YNAB (You Need A Budget) has their own proven method and budgeting app to give you real results. They’re proud and stand by their offering, sharing that “On average, new budgeters save $600 in their first two months and more than $6,000 in their first year.”
Use YNAB to track all your money progress from paying off debt, growing your savings, and reaching your goals. YNAB gives you a complete view of your personal finances so you know exactly where you stand. Try their app free for 30 days– no credit card required.
Zeta
Available on iOS and Android
- Joint Bank Accounts: Manage shared finances with no monthly fees and real-time balance updates.
- Expense Tracking: Automatically categorize and track both personal and shared expenses.
- Customizable Goals: Create and track joint savings goals to stay aligned on financial priorities.
About the Zeta App
Zeta is an app backed by Piermont Bank that provides joint bank accounts for couples to help their relationship thrive. This app may appeal to couples as there are no monthly account fees, and you also earn interest on your balance. Intuitively, this app will let you know when your balance is running low. It will also remember when your bills are due and can automatically pay them if you wish.
For example, your rent check is coming up, and you can tap to add money to cover it. You can also receive instant notification when one of you spends, deposits, or receives a refund. Like other banking apps, you can have sub-accounts to make saving easier, deposit a check by taking a photo, send money to individuals or businesses, and pay bills. Conveniently, Zeta gives you free access to 55,000 ATMs across the United States.
Goodbudget
Available on iOS or Android
- Envelope Budgeting: Use the envelope method to allocate funds for specific wedding expenses like venues, catering, and decor.
- Shared Budgeting: Sync budgets across devices so both partners can track and manage wedding spending together.
- Debt Tracking: Monitor progress on paying down wedding-related debts and other financial obligations.
About the Goodbudget App
Goodbudget uses the time-tested envelope budgeting method to help you plan and track spending across categories like rent, groceries, and bills. It syncs across devices, allowing you and your spouse to stay on top of where your money is going and save for big goals like a car or vacation. You can also track debt payoff progress and adjust your budget as needed with in-app reports.
Goodbudget offers a Free Plan with 20 envelopes, one account, and syncing across two devices, or a Plus Plan for $8/month or $70/year with unlimited envelopes, accounts, and syncing for up to five devices. Their website provides step-by-step budgeting instructions, online courses, and resources like Debt Snowball and Kakeibo strategies, making it a great tool for couples managing their finances.
Monarch Money
Available for iOS or Android
- Collaborative Budgeting: Manage shared finances with partners using joint budgets.
- Customizable Financial Goals: Set and track personalized financial goals.
- Comprehensive Financial Overview: Link all accounts for a unified view of your finances, including spending, saving, and investments.
About the Monarch App
Monarch Money is a budgeting app designed for couples to manage their finances together. It features a powerful yet easy-to-use platform for tracking spending, creating joint budgets, and setting financial goals. With its intuitive design, Monarch Money offers personalized insights to help couples make informed financial decisions.
Key features include collaborative financial management, investment tracking, and customizable financial goals. Monarch Money ensures that both partners stay aligned and on track to achieve their financial dreams. Perfect for couples seeking financial clarity and harmony!
Budget Savvy Bride readers can use code SAVVY10 for a 30-day free trial!
Simplifi
Available on iOS or Android
- All-in-One Financial Tracking: Sync all your accounts to easily track wedding expenses and personal finances in one place.
- Custom Budgeting: Create personalized budgets to manage wedding costs and stay on top of spending.
- Goal Setting: Set and monitor savings goals, such as for your wedding or honeymoon, with clear progress tracking.
About the Simplifi App
A personal finance app, Simplifi, helps you develop healthy financial habits, track your budget, and confidently reach your financial goals. When you sync all your financial accounts, Simplifi will help you create your financial goals, track your spending, and create a personalized budget. They also provide robust, timely insights to maximize your savings and optimize your spending to reach your goals faster.
With a free 30-day trial, you can explore Simplifi’s features to see how easy it is to navigate and whether these features meet your needs. It has a monthly plan ($5.99) and a yearly plan ($3.99/month billed annually). Their website also has a blog that talks about personal finances if you are interested. You’ll also find a community where you can learn from others and share your successes. Simplifi helps you to make the most of your money!
Tandem
Available on iOS or Android
- Shared Financial Management: Collaboratively manage finances with your partner for shared goals.
- Expense Splitting: Easily track and split expenses like groceries and bills.
- Goal Setting: Plan and save together for future milestones with customizable goals.
About the Tandem App
Tandem is the perfect financial tool for modern couples looking to manage their money together and achieve shared goals. The app simplifies everything from tracking expenses to setting long-term savings targets, making it easy for partners to stay financially aligned. Whether you’re splitting groceries or saving for a vacation, Tandem’s intuitive features help couples plan, spend, and save as a team, ensuring transparency and balance in every financial decision.
With Tandem, couples can seamlessly track joint expenses in real-time, split costs fairly, and set customizable savings goals. The app empowers couples to work towards multiple milestones at once—whether it’s building an emergency fund or planning a dream trip—offering a stress-free, collaborative approach to managing household finances. Tandem is an ideal choice for savvy couples looking to build wealth and financial harmony together.
Other Helpful Money-Saving Apps for Couples
Acorns.com
Available on iOS or Android
- Automatic Investing: Invest spare change from everyday purchases to grow wedding savings effortlessly.
- Customizable Portfolios: Choose investment portfolios to match your financial goals, including wedding and honeymoon savings.
- Round-Up Feature: Boost your wedding fund by rounding up purchases to the nearest dollar and investing the difference automatically.
About the Acorns App
Acorns is an app to make investing easier than ever. It allows you to invest in small amounts by rounding daily purchases up to the nearest dollar. For example, if you buy a gallon of milk for $2.65, the app will round the purchase up to $3.00 and invest the additional 35 cents in a portfolio of your choosing. Acorns truly makes investing a fun, simple process, and these little investments can add up quickly over the course of a year.
In addition to its round-up feature, Acorns also offers a variety of portfolio options designed by experts to match your risk tolerance and financial goals. Whether you’re saving for retirement, building a rainy-day fund, or working towards a long-term dream, Acorns makes it easy to grow your investments with minimal effort. The app also provides educational content and resources to help you better understand investing, making it a great choice for beginners looking to start small and build their financial future over time.
Trim by OneMain
Web-Based Application
- Subscription Management: Cancel unused subscriptions to free up money for wedding expenses.
- Bill Negotiation: Trim negotiates lower rates on bills, adding to your wedding savings.
- Spending Alerts: Monitor wedding expenses with customized spending alerts to stay on budget.
About TRIM App
Trim Financial Manager is a virtual personal assistant that constantly works to save you money! Trim can cancel your old subscriptions, set spending alerts, check how much you spent on Uber last month, and automatically fight fees… these are just a few cool ways Trim makes you savvier with less effort!
Venmo
Available on iOS or Android
- Vendor Payments: Seamlessly pay wedding vendors, from florists to photographers, securely and quickly.
- Group Contributions: Easily collect funds for joint wedding expenses like group gifts or honeymoon contributions from friends and family.
- Bank Transfers: Quickly transfer funds from your Venmo account to your bank for managing larger wedding-related payments.
About the Venmo App
Send money for free. Cash out to any bank overnight! Pay your friends for dinner, drinks, rent, and more. Even pay your wedding vendors! Easily collect money from people who owe you. Venmo uses bank-grade security systems and data encryption to protect your financial information and is a part of eBay and PayPal. It’s definitely a life-saver!
Travel Freely
Available on iOS and Android
- Credit Card Reward Tracking: Maximize rewards and bonuses to earn free travel for your honeymoon.
- Personalized Card Recommendations: Get customized credit card suggestions to optimize travel points and benefits.
- Travel Goal Planning: Track progress toward your honeymoon goals with reminders for bonus deadlines and annual fees.
About the Travel Freely App
If you’re a couple that loves to travel, this Travel Freely app is for you! Their motto is “learn to travel for free.” This free app teaches you how to earn free travel in the least amount of time by tapping into the best reward programs and practices by applying for credit cards. Based on your unique situation, their “CardGenie” tool personalizes credit card recommendations that will maximize rewards just for you. Their app also notifies you of bonus deadlines, annual fees, and when it’s time to apply for a new card. Their rewards credit card tracker also helps you to set your travel goals.
In addition to the app, Travel Freely also offers a “Become a Free Traveler” easy-to-follow guide and brief tutorials. You’ll learn about credit scores and how to maximize your everyday spending with rewards travel credit cards to get the most points and miles for flights, hotels, and rental cars. There’s also tons of great information on their blog. You’ll soon set your sights on your favorite travel destinations using the Travel Freely strategies.
Couple Goals: Get on the Same Page, Financially
Now that you know about these apps, check them out and decide which one suits your needs and preferences. When you are a married couple, it’s important to consider your personal finances and household situation in making these joint decisions.
We hope this post helps you to begin your research! Explore these apps together to see how they can make money management and communication easier for you and your spouse. Find the one that is a good fit for you and your significant other. Within a few months, you’ll notice a difference in your spending, saving, and habits!
We hope you find these money apps helpful in budgeting for your big day and beyond!
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