The budget app couples can keep using together

The fairest approach is usually proportional: if Partner A earns 60% of household income, A pays 60% of shared categories. Cash Compass doesn't enforce a split, but it makes the math visible. Create shared categories (rent, utilities, groceries, kids) and a personal category each. At the end of the month, the chart shows what each partner contributed to the shared pool and personal totals stay private. If proportional feels punitive on either side, the next-best option is 50/50 on bills and individual savings rates by percentage of paycheck. The Pew Research 2023 income survey showed dual-earner couples have median household income around $115,000, but spread can be wide — proportional usually feels less zero-sum.

Yes. Cash Compass never asks for bank credentials. Both partners install it on their own iPhones, sign into shared iCloud-family premium, and create shared categories. Each person logs their own transactions. The data is private to each iCloud account unless you've explicitly shared the family premium, in which case the family budget view shows combined category totals. Many couples keep one joint checking account for shared bills and individual accounts for everything else — Cash Compass handles either setup because the categories are a logical layer, not a physical account layer. Around 38% of married couples in the 2024 Bank of America Better Money Habits survey reported keeping at least some separate accounts.

Common, and not necessarily a problem. One partner can be the primary logger for shared categories — rent, utilities, groceries, kids' activities — and the other just contributes their own personal-category data when they remember. The key is agreeing on what counts as a shared category versus personal. Cash Compass makes the asymmetry less stressful because voice entry is a three-second commitment, not a spreadsheet evening. Set a recurring 15-minute Sunday review on the calendar where both partners look at the charts together. The 2024 Ramsey Solutions money-and-marriage study found couples who talk about money weekly are about three times more likely to describe their marriage as great. The chart is the conversation prompt.

Yes, through category-based tracking. Create a Savings: Down Payment category and log each contribution from either partner — payday auto-transfers, tax refund deposits, side-gig income, gift money. The category chart shows the running total and how fast the balance is growing. For a $400,000 home in most U.S. metros, a 10% down payment plus closing costs is roughly $50,000-$55,000. At $1,500/month combined, that's about 33-37 months — and Cash Compass keeps the timeline visible instead of abstract. You can add a target amount and the chart shows progress against it. Pair with a high-yield savings account (4% APY in 2025) for the actual money; Cash Compass tracks the discipline.