Vyact
Family budget app
Vyact · For couples

The budget app for couples

Quick answer

A good budget app for couples gives each partner their own login to the same numbers: one shared budget by category, the bills coming up, what each of you spent, and your net worth. Vyact does that, lets you keep personal spending out of the shared totals, and is free to start.

Set up your household — free →

Three ways couples split money

Fully joint — all income into one pot, all costs out of it. Simplest to track; works best when you agree on spending.
Proportional to income — each pays the same share of their income toward joint costs (for example 60/40). Feels fairer when incomes differ.
Yours, mine and ours — a joint pot for rent, groceries and goals, plus personal money each that nobody has to justify.

How couples use Vyact

One budget, two logins. Invite your partner; you both log spending into the same household and see the same totals.
Bills before payday. Rent, subscriptions and loan payments on one calendar, posted automatically or when you approve them.
Keep some things personal. Mark a purchase private and it stays out of the shared totals.
A monthly money date. Fifteen minutes: what’s coming up, how last month went, one goal. Vyact has the numbers ready.
Ask before you spend. Pip, the built-in assistant, answers “can we afford the weekend away?” from your own budget and balances.

Questions

What is the best way for couples to budget?

Agree the structure first — fully joint, proportional to income, or yours-mine-and-ours — then keep one shared budget you both can see and check it together once a month. The method matters less than both of you seeing the same numbers.

Should couples split bills 50/50 or by income?

When incomes differ, splitting by income usually feels fairer: each partner pays the same percentage of their income toward joint costs. 50/50 works well when incomes are similar.

Can we keep separate accounts and still budget together?

Yes. Add each account you spend from to the household; the shared budget and totals cover all of them, and personal purchases can be kept out of the shared totals.

Is Vyact free for couples?

Yes — Vyact is free to start, and both partners can use it with their own login.

Read next

How should couples split finances? The "yours, mine and ours" approach
How do couples talk about money without fighting?
What is the 50/30/20 rule? A simple budget starting point
How much should an emergency fund be?

Set up your household in two minutes — free to start.

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