Now accepting early access

Money talks shouldn't cause arguments

Mutual makes splitting bills fair — even when incomes differ — tracks who owes what, and helps you save together toward the life you're building.

👩
👨
👩
👨
👩
0+ couples on the waitlist
Mutual home screen
Mutual goals screen
Live sync
🏠 House fund — 68%
Scroll
⚡ Real-time sync ⚖️ Fair income splits 🏠 Shared goals 📊 Analytics 🤝 One-tap settle 🔒 Private & Secure 💕 Built for couples 📱 iOS & Android ⚡ Real-time sync ⚖️ Fair income splits 🏠 Shared goals 📊 Analytics 🤝 One-tap settle 🔒 Private & Secure 💕 Built for couples 📱 iOS & Android

Everything your shared finances need

Designed for real couples with different incomes, different habits, and shared dreams.

Fair split illustration
⚖️ Fair Splits by Income
Split expenses proportionally based on each partner's income — not just 50/50. No more resentment about unequal contributions.
Goals illustration
🏠 Shared Savings Goals
House, car, vacation, wedding — create goals, track contributions from both partners, and celebrate when you reach them together.
Realtime sync illustration
⚡ Real-Time Sync
Add an expense and your partner sees it instantly — no refresh needed. Powered by Socket.IO for sub-second sync across devices.
Settle up illustration
🤝 One-Tap Settle Up
See exactly who owes what and settle up with one tap. No awkward conversations. No spreadsheets. Just clarity.
Analytics illustration
📊 Spending Analytics
See where your household money goes — by category, by month — with beautiful charts. Export to CSV for tax time.
Security illustration
🔒 Private & Secure
Your data lives on our servers, not big tech. End-to-end JWT auth, no advertising, no data selling. GDPR compliant.

Up and running in 3 minutes

No bank connection, no complex setup.

1
Create your account
Sign up with Apple, Google, or email. Takes under 30 seconds.
2
Invite your partner
Share an 8-character invite code. They install the app and join instantly.
3
Add your first expense
Enter the amount, pick a split type, and your partner sees it live.
4
Set a shared goal
Pick an icon 🏠🚗✈️💍, set a target, and track progress together.

Beautiful on every screen

Warm, intimate design that feels like it was made just for the two of you.

Home screen
Goals screen
History screen
Analytics screen

Celebrate milestones together

When you hit a goal — house fund, vacation, wedding — Mutual throws a confetti celebration. Share the moment and let the world know you did it together.

🏠 House funds
🚗 Car savings
✈️ Vacations
💍 Weddings
🎓 Education
🛟 Emergency fund

ℹ️ Track your shared savings — Mutual records money set aside together. No real fund transfers in v1.

Goal celebration illustration

Your money, your rules — together

No joint bank accounts needed. No complicated spreadsheets. Just a beautifully simple app that keeps both of you on the same page about your shared finances.

Start Free → Learn More
Couple managing finances together
0+
Couples on waitlist
0%
Fewer money arguments
$0
Avg. monthly tracked
0.9⭐
Beta user rating

Couples love Mutual

★★★★★
"
Finally an app that understands that one partner earning more doesn't mean they should pay less. The income-split feature changed everything for us.
👩
Sofia & James
Early beta couple · NYC
★★★★★
"
We used to fight about the joint account every month. Now I add an expense and my husband sees it instantly. We've had zero money arguments in 3 months.
👩
Priya & Rohan
Waitlist users · London
★★★★★
"
The shared goals feature made saving for our house deposit actually fun. Watching that progress bar fill up together is genuinely motivating.
👨
Marcus & Elena
Beta testers · Berlin

Simple, transparent pricing

Start free. Upgrade when you're ready for more.

Free Forever
$0
forever, no credit card
  • 1 active savings goal
  • 50/50 expense splits
  • Unlimited expense tracking
  • Real-time sync
  • Balance & settle up
Start Free

Be the first to know

Join the waitlist and get 3 months of Premium free when your partner joins with your invite code.

🔒 No spam. Unsubscribe anytime. Available on iOS & Android.
🍎 🤖

Every dollar brings you closer

Whether it's a dream vacation, your first home, or an emergency fund — watch your progress grow together. Mutual makes saving a team sport.

🏠 House: $24,000 / $50,000
✈️ Bali trip: $2,100 / $3,000
💍 Ring fund: 92%
Savings illustration