For couples
Share a life. Keep your own account.
One picture of the month for both of you, without either of you handing over a bank login. You type in what matters. Nothing shows up on its own.
- 14 days free
- No credit card to start
- One subscription for both of you
51%
of Gen Z couples keep their money completely separate, and 34% of millennials do. Sharing a life stopped meaning sharing an account.
Bankrate couples and money survey, 2026
Pairly does not connect to bank accounts or credit cards. It only knows what you type into it.
“Wait, did you already pay that one?”
Every couple has this one, usually somewhere between the sofa and the front door. It is not really about a bill. It is about whether the two of you think the month looks the same.
Alex. Sam. And the joint account.
Two accounts, one joint one, and neither of you ever sees the other's card statement. Alex puts more in because Alex earns more. That was one setting, once.
Earns a bit more
- Into the joint account$1,450
- Own savings$500
- Climbing gym$89
- Phone$45
- Subscriptions$32
Alex's gym is Alex's business. It never lands on Sam's page.
Example figures, written for this situation. Pairly never guesses what you earn.
Here is what that looks like.
Two incomes, one month, and the personal line staying out of the split.
And who covers what
Split by income
- Alex earns $4,500puts in $3,054.38, keeps $1,357
- Sam earns $3,500puts in $2,375.62, keeps $1,124
Example figures. Pairly works with whatever you put in.
Your first fifteen minutes.
Fifteen minutes at the kitchen table, one of you typing.
- What you each take homeTwo numbers. Neither of you has to say them out loud if that is easier. You each type your own.
- What goes into the joint account
- Rent or mortgage
- The bills that arrive whether you like it or not
- Every subscription either of you pays forThis is the one that surprises people. Do it together and do not stop at the obvious four.
- Your own lines, marked personal
That is the whole setup. Next month it is already sitting there.
So what do you actually do?
Nothing to connect
No bank login, no card, no transaction feed waiting for you. Pairly only knows what one of you typed in.
No bank connection
Split it however you like
Down the middle, by what you each earn, or a number you both agreed on. Change it whenever, without renegotiating anything.
Split methods
Twenty minutes a month
Money Date gives the conversation a slot and a screen, so it stops happening at eleven at night after something went wrong.
Money Date
The fair question
Do we not already know roughly what we spend?
Roughly, yes. The trouble is that you each have a slightly different roughly, and neither of you finds out until something arrives. Pairly gets both roughlies onto one screen. That is usually the whole fix.
What if one of us is much more into this than the other?
That is the normal case and Pairly is built for it. One of you sets it up, the other opens it when they feel like it. There is no daily logging to keep up with, so the less interested one is never behind and never gets nagged.
Can they see what I spend on them?
Only if you put it in, and nothing arrives on its own, so a present stays a present. If you want a line to exist without the detail, name it something vaguer. Pairly is not going to check.
One picture. Two accounts. No login handed over.
14 days free, then $4.99 a month or $47.88 a year for the two of you together.