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The budget for couples who don't merge everything

Yours, mine, ours.
One plan.

Keep your own accounts. Cover the shared bills first. See one plan together.

Download on theApp StoreStart free on the web
Allokate app icon
Allokate: Budget for Couples
Invite your partner free · No card required
A couple planning together at the kitchen table
9:41
‹Household
YOURS, MINE & OURS · OCTOBER
Ben & Kelly
Two accounts, one calm plan.
YOU
$1,321
OURS
$2,518
KELLY
$284
$4,122 spent together16 days to go
OCTOBER IN SHORT
Bills8 of 13 paid, $187 to comeYour $51 gym share is open
FairYou're $584 aheadOn shared spending, split by income
Groceries · $86.40Marked Ours · split by income
Where are you starting?

Your first real budget, built for two.

First paycheck or first year married, you start with a plan that fits how you already handle money.

A couple at the kitchen table
Just married

Two incomes, two banks, one first budget.

Keep the accounts you already have. Shared bills come out of ours first, and you both see the same month.

Planning alone with a notebook
First job after college

Your first real paycheck, with a plan around it.

A starting plan built from how you're paid, and one number for what's safe to spend. Invite a partner whenever you're ready.

A couple planning in the kitchen
Moving in together

Rent, groceries, Wi-Fi. Decide who covers what, once.

50/50, by income, or a ratio you both pick. Allokate keeps track of who has covered more.

Packed bag at a mountain overlook
Saving for something

The trip, the ring, the down payment.

Shared goals you both fill from your own accounts, and see move every month.

Coffee, a journal and a map on a Sunday table

Money is a 5-minute check-in, not a fight.

A month with Ben & Kelly

Two accounts. One calm October.

  1. Each of you keeps your own account. Allokate shows what's yours, what's theirs, and what's ours, in one view.

9:41
‹Household
YOURS, MINE & OURS · OCTOBER
Ben & Kelly
Two accounts, one calm plan.
YOU
$1,321
OURS
$2,518
KELLY
$284
$4,122 spent together$2,073 left · 16 days
OCTOBER IN SHORT
Bills8 of 13 paid, $187 to comeYour $51 gym share is open
FairYou're $584 aheadOn shared spending, split by income
Fund$7,640 of $10,000On track for Dec 31
Why another budgeting app

Most apps ask you to merge first.

Couples usually get two options in an app. Neither fits two people with two accounts who still want one plan.

Joint budget apps

One pot.

Great if you share everything. It all goes into one joint plan, and "mine" disappears.

Bill-splitting apps

Keeping score.

Every dinner becomes an IOU to settle later. Fair, but there's no plan for the month.

Allokate

Yours, mine, ours.

Your money stays yours. Shared bills come out of ours first, split the way you agreed, and you plan the month together.

How Allokate compares with joint budget apps and bill-splitting apps
FeatureJoint budget appsBill-splitting appsAllokate
Keep your own accounts
No
Yes
Yes
Plan the month before it happens
Yes
No
Yes
One safe-to-spend number
Yes
No
Yes
Shared bills covered first
No
No
Yes
Split by income, not just 50/50
No
Some
Yes
A weekly check-in for two
No
No
Yes
Partner joins free
Varies
Yes
Yes
Web and iPhone, one plan

Sunday on the laptop. Tuesday at the register.

Sit down together on the big screen once a week. The rest of the week, one number on your phone says what's safe to spend.

Home: safe to spend
Illustrative hands making a personal plan at a sunlit desk

Made by a husband, for us

“I've budgeted since college. When I got married, every app I tried assumed we'd throw everything into one pot, and that's not how we live. We have my account, her account, and the bills we share. So I built Allokate: each of you keeps your own money, the shared bills get covered first, and you both see the same plan. No spreadsheet, no Sunday-night money fight.”
Ben, foundersupport@allokate.io
  1. College
    Spreadsheets, envelopes, the works.
  2. Married
    Two incomes, two banks, two opinions.
  3. Built
    My money, her money, our bills, one view.
  4. Now
    Money is a 5-minute check-in, not a fight.
Allokate app icon
On the App Store

Budget together, no merging.

Download on theApp Store
  • Yours, mine, ours. One plan.
  • Split it your way.
  • Know what's safe to spend.
  • A 5-minute money check-in.
  • Mark it Ours. We split it.
  • Save for the trip together.
Security

Read-only. We can never move your money.

  • Read-only bank connections through Plaid. Allokate can see transactions and balances. It cannot move money.
  • Your bank login never touches our servers. You sign in to your bank through Plaid, not Allokate.
  • Encrypted in transit and at rest. Your household data is private to the people you invite.
  • Prefer to track by hand? That works too, and it's free.
Connect a bank, read-only
Founding member pricing

Your partner joins free.

Lock in $59.99 a year for as long as you stay subscribed. Founding pricing ends after our first 500 Pro households. After that, Pro is $79.99 a year.

Free

For the two of you, tracking by hand
$0
  • You and your partner, free
  • Yours, mine & ours household
  • Split by income, 50/50, or your ratio
  • Weekly check-in and shared goals
  • Track spending by hand
Start free

Pro

Bank sync and bigger households
$59.99/ year
$5.00 a month, billed yearly · Founding price, locked while you're subscribed
  • Everything in Free
  • Read-only bank sync
  • Households of three or more
  • Unlimited history
  • Reports and spending trends
Start your 30-day free trial

No intro deal that jumps at renewal. Most budgeting apps cost $75 to $110 a year, and their first-year deals go back up at renewal. Founders keep $59.99 a year.

Prices in USD, plus sales tax where it applies. The 30-day trial needs a card, and we remind you 3 days before it ends. Cancel anytime. Your founding price stays the same for as long as your Pro subscription stays active.

Pricing questions

Is Allokate free for couples?

Yes. The free plan covers you and your partner, planning and logging spending by hand. Your partner joins free.

What does Allokate Pro add?

Pro adds read-only bank sync, households of three or more, unlimited history, reports and spending trends, and the Allokate AI assistant. The plans above show current pricing.

Do we have to merge our accounts?

No. Keep your own accounts, cover shared bills first, and plan what is left for each of you. Split shared costs by income, 50/50, or your own ratio.

Is there a free trial for Pro?

Yes. Pro starts with a free trial. It needs a card, we remind you 3 days before it ends, and you can cancel anytime.

Is my bank login safe?

Bank connections go through Plaid and are read-only. Allokate does not store your bank password, and you can delete your account at any time.

A couple hiking a ridge at sunset

Start your first month together.

Set up yours, mine, and ours in 10 minutes and invite your partner free.

Download on theApp StoreStart free on the web

Questions? Ben reads every email.