One Pro subscription. Two separate accounts.
Shared expense tracking for couples, without a joint bank account.
Track shared household spending, agree on splits, and keep your personal purchases private. Spendimo gives couples a clear picture of everyday shared costs on iPhone and iPad—without requiring linked bank accounts or shared logins.
Download on the App StoreRequires iOS 26 or iPadOS 26 or later. Everyday personal tracking is free; partner sharing requires Spendimo Pro.
Shared household costs.
Personal spending stays private.
Together, with room for independence
Managing household expenses together
Managing household expenses together means agreeing on what to share, how to split it, and which purchases stay personal. Spendimo lets you track expenses together without giving up your individual financial independence.
From purchase to agreed share
How partner sharing works in Spendimo
You choose what to share
Log your expenses manually or scan a receipt using on-device recognition. For a shared expense—such as groceries, rent, or utilities—mark it for sharing and assign the split.
Agree on your split
Expenses do not always have to be 50/50. Set the share to reflect your household agreement, such as 60/40 or a proportion based on your incomes.
Review and approve together
Shared expenses sync to your partner’s device through their own account. Your partner can review, approve, or dispute shared records. Once approved, each partner’s spending totals reflect their agreed share. Sync and partner updates need an internet connection.
Private entries stay private
Your morning coffee, gifts, and personal subscriptions stay on your personal ledger. Syncing an entry to your own account does not share it with your partner unless you choose to share it.
Built for everyday costs
Core capabilities for couples
- Bank connections
- None. No bank connection or bank credentials required.
- Receipt scanning
- On-device recognition. Inspect and edit extracted details before saving.
- Subscription coverage
- One Pro plan covers both. The subscriber invites their partner, who joins with their own account at no extra cost.
- Currencies
- Track entries across multiple currencies, with ECB reference rates when available. Downloading rates requires a free account and a connection; saved rates work offline.
- Export
- Export your expense and income records with their original amounts and currencies to CSV for free.
- Settlement
- Spendimo records the split and each person’s share, but does not move or transfer money.
Know what is shared
Private entries stay private. Sync is a separate choice.
Receipt recognition happens on your device. Without Pro sync, your financial entries stay there too. Pro sync stores private and shared entries in your account on our server in Germany; your partner sees only the records you choose to share.
Optional receipt-photo sync is off by default. Enabling it can also upload eligible saved receipts, and a synced photo on a shared record can be visible to your partner. Turning it off stops new uploads but does not delete existing server copies.
Review our data handling practices →A few practical details
Frequently asked questions
Do both partners need to pay for Spendimo Pro?
No. One Pro subscription covers both partners. The subscriber sends an invitation link, and the partner joins using their own Spendimo account without paying a second subscription fee.
Can my partner see my personal bank account or private expenses?
No. Spendimo never connects to your bank account. Your partner only sees the specific expenses you choose to share. Your personal entries, unshared bills, and private totals are not visible to your partner.
Does Spendimo transfer money between partners?
No. Spendimo records and calculates agreed shares, but it does not move money or process payments. Partners handle any payment separately using their preferred method, such as bank transfer or cash.
Where is shared data stored?
Everyday tracking without sync stays on your device. Pro sync stores financial entries—including private entries—in your account on our server in Germany. Only records you choose to share are visible to your partner. Receipt photos stay on your device unless you turn on optional Pro receipt-photo sync, which is off by default.
One Pro plan covers both
Start tracking together today
Maintain your financial independence while keeping household spending clear.
Download Spendimo on the App Store