The partner-focused finance platform built around real AI intelligence.
Chip In helps couples understand income, expenses, bills, subscriptions, balances, shared spending, and financial patterns across the accounts they choose to connect and share.
It is designed for two people who want clarity without forcing full account merging, awkward reconciliations, or one-size-fits-all budgeting tools.
Couples finance, rebuilt for shared reality
Shared clarity without giving up personal control.
Built for what couples actually need.
Chip In combines deep account syncing, partner-aware sharing, settlement tools, financial forecasting, and database-grounded AI in one ecosystem.
Unlimited Plaid syncing
Sync up to two years of financial history across unlimited connected accounts for free, so couples can start with real context instead of a blank slate.
Partner-first sharing
Share only what belongs together. Chip In is focused on shared finance, split history, partner context, and the money conversations couples actually have.
Real financial AI
Use advanced models for grounded reasoning across your financial database, with text, table, chart, PDF, CSV, and image outputs.
From sync to split to settlement.
Chip In gives couples tools that go beyond tracking: split by income percentage, split in one tap, manage shared expenses, pay instantly with Venmo or Cash App integration, and reverse payment records when life changes.
- Understand income, expenses, bills, subscriptions, and balances together.
- Use split percentage by income for fairer shared spending.
- Track settlements, reversals, and partner-shared financial history.
- Receive daily emails for large expenses, weekly forecasts, and important account activity.
Advanced reasoning grounded in your financial database.
Chip In Intelligence can detect categories, reason over shared financial history, build advanced SQL-style queries, choose model complexity based on the question, and answer with text, tables, and charts.
Models
Use powerful model families for deeper reasoning.
Queries
Ask complex questions over real financial data.
Outputs
Get answers as text, tables, charts, or exports.
Exports
Save insights to PDF, CSV, and image formats.
Built by one developer with 27 years of experience.
Chip In is the result of two years of focused dedication to create the first cross-sharing AI finance platform for couples.
I built it to help families understand their real financial state, share money without awkward talks, and save more by seeing the full picture together.
The mission
Reduce money stress
Make shared finance conversations clearer, calmer, and easier to act on.
Protect personal control
Help couples collaborate without surrendering privacy or autonomy.
Build financial clarity
Give families better tools to understand, plan, and improve their real financial state.
Built for two people building one financial picture.
Explore the tools that make Chip In a complete shared-finance and AI intelligence ecosystem.