Chip In - Couples Chipping In Chip In - Couples Chipping In
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Designed for partnership

Shared clarity without forced full visibility.

Split fairly. Settle clearly. Keep your independence. A shared space for the expenses you choose to share, with personal privacy built in.

Start with the app View all features

Private by default. Shared by choice.

A little more in sync · Illustrative demo
See it in motion

Pay, split, settle up. On a loop.

Thirteen looping demos of sharing and settling up, on the web and in the app. Swipe through, or just watch.

Split Any purchase. Any ratio. One tap.
Pay Venmo, Cash App, cash, or check.
Auto Split Set it once. Every future bill splits itself.
Split Intelligence It learns how you two split.
Settle Up Who owes what, in both directions.
Pay all Three splits. One payment.
Payments Every payment, by rail. Reversible.
Insights How fast you two close the loop.
Recurring rules Change the split. Future charges follow.
Web to mobile Split on the web. Pay from your phone.
Alerts Email and push, for both of you.
Partner sharing Their data, only when they share it.
From the email Tap the email. Pay in the app.
Granular sharing

Share exactly what you want. Nothing more.

Three switches, three levels of detail. Balances only, bills and subscriptions, or every transaction with its details. Save, and your partner's view updates.

  • Accounts: names and balancesThey see what you have, not what you spent it on.
  • Recurring: bills and subscriptionsThe charges you actually split, with amounts and due dates.
  • Transactions: the full detailMerchant, amount, category, date. Only if you switch it on.
  • Per account, too
  • Revoke any time
  • Off by default
Your choice, their view · Illustrative demo
One tap, two views

Me or us, without leaving the screen.

The two avatars in the header are a switch. Every screen in the app follows it: dashboard, transactions, recurring, reports, AI.

Both lit: shared view

Your money plus everything your partner has chosen to share, side by side.

Tap: they spin into one

Partner data folds away instantly. No settings, no reload.

One lit: just you

For a private review, a budget check, or a screen you'd rather not show over your shoulder.

Down to the account

Share the joint card. Keep the personal one to yourself.

Sharing is per account. Tick the Citi card you both use, leave the Discover card private, apply, done. Your partner sees exactly that set, and only until you change it.

  • Whole bank or a single cardSelect an institution, or one account inside it.
  • ReversibleUntick it and it disappears from their view.
  • Disconnect any timeOne tap removes every shared view at once.
A shared card. A private card. · Illustrative demo
Settle up

Who owes what, without the spreadsheet.

Every split lands in one ledger: who owes, how much, and on which rail. Pay one, pay all, or revert when plans change. Insights show what settled, what's pending, and how fast you two close the loop.

From pending to paid · Illustrative demo
Recurring splits

Set the split once. Chip In does the rest.

Auto Split applies your chosen percentage to future eligible charges. Existing splits never change. Every generated split gets a history entry, and your partner sees the rule, not the controls.

  • Any percentage75/25 for Spectrum, 50/50 for groceries, income-weighted if you prefer.
  • AuditableConfigured vs. actual ratio, owner and partner amounts, created and processed times.
  • Owner controls the rulePartners get a read-only view. Disable or edit the percentage whenever.
Set it once. See it happen. · Illustrative demo
Split intelligence

Splits that learn from both of you.

Chip In reads how you two have actually split, then recommends ratios for new charges with the reasoning attached: which past splits it matched, how recent, how confident. Review it, tap once, it's on its way.

  • Confidence-scoredLow, medium, or high, with the evidence count shown. One historical split means "confirm this".
  • Explains itself"Why Chip In recommends this" lists the comparable merchants, ratios, and dates.
  • Only your transactionsSuggestions cover your purchases; learning uses both partners' split records.
A recommendation with a reason · Illustrative demo
Private by defaultNothing is shared until you switch it on.
GranularAccounts, bills, transactions: separate switches, per account.
ReversibleRevoke a share, revert a payment, disconnect entirely.
Alerts for both of youRequests, settlements, and stale bank links, by push and email.
Email alerts and automation

Start together. Stay yourselves.

Free to start. All Access when you're ready. Web access is included in both plans.

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