Connect both your accounts. Set a default split. We do the math behind the scenes so neither of you has to be the spreadsheet person again.
May · this month
You owe Hana
$148.42
Recent
Whole Foods
Today · 50/50
$84.20
Verizon
Wed · 60/40
$128.00
Rent · 14th St
May 1 · 50/50
$2,840
Cabin Airbnb
Apr 28 · 50/50
$486.00
No Venmo requests at the end of dinner. No 11pm calculator on the bedroom floor. Just one ledger you both already trust.
Activity
Categories
Settle
$148.42
via instant transfer
Rules
Year
$18,402
shared spending
Activity
Categories
How it works
No receipts, no manual entry, no monthly settling-up huddle. Set it up once during a Sunday coffee.
Connect
Plaid-secured. We only see transactions in shared categories — your therapy copay stays private.
Default split
Even split, classic
Auto-weighted
Rent 50/50, dinner 60/40…
50/50, by income, or custom per category. Change anytime — Ribbon recomputes the month back to date one.
Sunday recap
Net this week
+$42.18 to you
14 transactions auto-split
0 needing your review
Next settle: May 31
A 30-second Sunday recap. Nobody has to be the spreadsheet person, nobody has to remember anything.
Privacy
Ribbon only ingests transactions you've tagged as "shared". Your individual coffee, your therapist, your secret bookstore habit — invisible to your partner and to us.
Privacy controls
Groceries
Trader Joe's, Whole Foods…
Utilities
Con Ed, Verizon, Wi-Fi
Personal care
Hidden by default
Subscriptions
Some shared, some private
Splits
If one of you out-earns the other 2:1, splitting rent down the middle isn't an equal partnership — it's a quiet resentment generator. Ribbon does proportional splits without making either of you talk about it again.
By income
Marcus
$1,842
Hana
$2,476
Based on net income from past 90 days. Recalculated each month.
Year-end
One-click PDF or CSV grouped by category — exactly what your accountant asks for. Splits already applied. We've tested with TurboTax, FreeTaxUSA, and your friend who's "good at it".
Year · 2025
By the numbers
208,408
couples actively on Ribbon
−62%
self-reported money fights vs. before Ribbon
94%
auto-categorization accuracy across 4M txns
4.7★
from 14,402 App Store reviews
Reviews
"We stopped having the 'who paid for what' fight. Eight months in, Sunday is for brunch again, not the kitchen-table audit."
— Marcus & Yuki, Brooklyn
"The income-weighted split was the unlock. Felt fair on paper, felt fair in our chests. We've been on it 14 months."
— Priya & Daniel, Oakland
"Came from Splitwise. Ribbon understands we're a household, not three frat brothers and a sublet. The vibe matters."
— Ines & Sara, Madrid
"My CPA loved the year-end PDF. He said 'finally, a couple who knows what their joint spending looks like'. Felt good."
— Hana, Chicago
"We're not married, kept separate accounts, and Ribbon still works. No 'add your spouse' assumption. Felt seen."
— Yusuf & Felix, Berlin
"The Sunday recap is the secret. Three minutes, both of us see it, no surprises by the time we're planning July. That's the whole product."
— Aoife & Ren, Dublin
App Store rating
4.7★
14,402 ratings · Finance · Top 28
Pricing
Free is genuinely free — most of our reviewers stayed on it for months before upgrading. Plus only matters if you want bank-sync and tax-year exports.
$0
For the manual-entry kind of couple.
$8/mo
Sync, auto-split, settle-up, taxes.
FAQ
Yes, but only the ones you've tagged "shared". Your individual coffee, your therapist's bill, your bookstore habit — those stay on the private side. We read merchant + amount via Plaid OAuth, never your login. Anything you mark "private" is invisible to your partner and dropped from our database within 24 hours.
Ribbon's income-weighted split is the most-used setup among our top-rated couples. Connect both salaries once (read-only via Plaid), and every shared expense gets weighted proportionally. If you earn $80k and your partner earns $140k, rent splits 36/64 automatically. You can override per category — many people 50/50 groceries and weight only the big bills.
Yes — and most of our power users have both. Connect a joint Chase account, both your separate Amex cards, and your shared Apple Card. Ribbon figures out which charges came from the joint account (already settled) versus which need redistributing. The "What's owed" number nets all of it.
Of course. About 38% of our couples aren't legally married. Many are dating-and-cohabiting, some are long-distance with shared subscriptions, a few are co-parenting from separate households. There's no "legal partner" flag anywhere — just "the person you share money with". You can leave anytime and Ribbon exports your half of the data on the way out.
Splitwise is built for ad-hoc group expenses — three roommates splitting a pizza, four friends on a Lisbon trip. Ribbon is for two people sharing a life over years. We bank-sync (Splitwise is manual), we do income-weighted splits, we do tax-year exports, we don't show ads, and the UI is built around a long-term ledger rather than a debt counter. If you're a household, you'll feel the difference within a week.
30-day free trial of Plus. No card. Cancel in two taps if it's not the thing.
Invite your partner with a single link. Most couples are set up in 8 minutes.
30-day trial · no card