It doesn’t matter if you’ve been with your significant other for one year or forty years, budgeting together can be extremely difficult. If you’re combining your finances with someone for the first time—this can be an especially stressful time, but it’s essential to manage your budget together. Here are two apps that will make budgeting (as a couple) so much easier! Since they’re both for iOS and Android, your partner and you can try them both and decide which one you prefer to use together.

 

1. OnBudget

OnBudget is a new app that builds your budget based on your real-time spending. One other totally unique feature is that it links your existing accounts to a prepaid MasterCard (this also won OnBudget a neat award for app innovation in early 2014).

Here is how it works:

  • Link your bank account to a special prepaid OnBudget Mastercard.
  • Load money onto the prepaid Mastercard.
  • Use the prepaid card to pay your monthly expenses.
  • OnBudget uses that spending history to generate a budget for you using online "envelopes" with assigned categories.
  • OnBudget also gives you alerts when funds in an "envelope" are low or drained.
  • You can use OnBudget on your own or as a couple by linking 2 prepaid cards (and equally sharing your budget).

Get the app:

2. BetterHaves

BetterHaves is a new app that takes a light-hearted approach to couples budgeting, stating as its goal: "Spend Less Time on Finance and Save More for Romance!"

Here is how it works:

  • Take your income and fill an "envelope" in-app for each category of expenses.
  • Track your expenses.
  • Receive alerts when an envelope is empty.
  • Adjust your budget based on what you've learned during the previous month's spending.

Get the app:

Need more budgeting tips? Make sure to keep up with our Budgeting Survival 101 series:

Budget Survival 101: Choose the Right Learning Tools

Budget Survival 101: Make Your Funds Hard to Access

Budget Survival 101: Change Your Bank

Budget Survival 101: Change Your Billing Cycle Dates and Use Auto-Pay

Budget Survival 101: Overestimate Expenses and Underestimate Income

Budget Survival 101: Simplify Your Budget

Budgeting Survival 101: Choose Budgeting Tools You Can Use

Budget Survival 101: Use Apps to Make Budgeting Fun