Good questions.
Straightforward answers.

Yes. Use Chip In for your own accounts, spending, bills, and insights. Connect a partner when you want to share part of the picture. You don't need a joint bank account.

Chip In is available for iOS, Android, and on the web at coupleschipping.in. Use the same account across devices. The web gives charts, filters, and reports more room.

Open My Accounts in the mobile app and connect an eligible institution through Plaid. Availability and the details received depend on the institution. You can also add manual accounts and transactions.

Free includes one connected non-investment account, the sharing tools, and everyday AI, such as Smart Signal analysis, AI categories, and rule drafting, with a generous daily allowance. All Access adds more connected accounts, investment connections and insights, Chip In Intelligence, AI budget creation, and other advanced features. See the current plan comparison for the complete list and prices.

You choose which accounts and data types to share. Account balances, recurring bills, and transactions have their own controls. Your personal accounts stay private unless you share them. Learn more on the For Couples page.

Yes. Split equally, use a custom percentage or amount, or use an income-based ratio. Review the amounts before sending. Auto Split can apply your chosen ratio to future eligible recurring charges.

Chip In tracks who owes what and records payments. Supported payment apps can open for you to complete the payment there. Chip In does not move money or verify a third-party payment.

For most couples, one All Access subscription is enough. The subscriber links the accounts and chooses what to share, and their partner can use a Free account to see that shared activity, splits, and payments. Paid capabilities such as Chip In Intelligence stay with the subscriber; a partner who wants them subscribes separately.

Track holdings and allocation, compare portfolio performance, explore securities, follow dividends and activity, set alert rules, and try retirement scenarios. The investment suite is included with All Access. Brokerage and market-data coverage vary; quotes can be delayed.

Your relevant financial records, with only the partner data shared with you. Ask about spending, income, bills, cards, loans, or investments. Answers can include explanations, charts, and tables. Explore Chip In Intelligence.

Chip In does not store your bank username or password. Account linking is handled through Plaid. Learn about security and privacy controls and read the Privacy Policy for details about data handling.

Use the context-aware help on the screen you're viewing, visit Help & Support, or contact support with your question or idea.