Expense sharing for couples — finally calm around the money topic
Rent, groceries, utilities, streaming: Equna gathers your shared expenses in one place, splits them by your rule and shows at month-end who owes whom how much.
Start free. No tracking. Made in Germany.
Why shared expenses get messy
As long as the amounts are small, gut feeling works. With every month, costs pile up that disappear into chat threads, your head or a spreadsheet.
Who paid for what?
One covers it now, the other next time. After three weeks no one really knows the balance.
Arguments over small things
Fights are rarely about €200. They're about €8.49 — because the sense of fairness gets lost.
Receipts go missing
Paper receipts fade, online orders sit in five different mailboxes, refunds get forgotten.
No clean monthly close
Without a clear cutoff, the imbalance lingers for months and quietly weighs on the relationship.
What Equna actually does for couples
Set one global split rule, then logging an expense takes seconds. Both partners always see the current state.
Set the split once
50/50, 60/40 or proportional to income — your rule automatically applies to every shared expense.
Receipts attached to the expense
Snap the receipt or screenshot the online invoice — stored right on the expense, not in a drawer.
Monthly close in one click
Both partners confirm the month, Equna calculates the balance. What is open is clear — what is settled is done.
Budgets for your areas
Groceries, rent, leisure — define budgets and spot early when an area starts running hot.
Two equal views
No "main user" and no "add-on". Both partners use the same app, with the same rights and the same view.
GDPR-compliant, no tracking
Expenses, receipts and budgets are stored on servers in Germany. Currently no ads, no third-party sales.
Before vs. with Equna
| Without an app | With Equna | |
|---|---|---|
| Logging expenses | Chat messages, spreadsheets, guesswork | 10-second entry, both see it instantly |
| Split rule | Re-negotiated every single time | Set once — applies to everything |
| Receipts | Slips of paper that disappear | Photo attached to the expense |
| Monthly close | Pushed off or forgotten | Both confirm, app calculates the balance |
| Transparency | One has the overview, the other does not | Both see the same numbers |
Why couples trust Equna
Made in Germany
Built and operated in Berlin. Servers hosted with IONOS in Germany.
GDPR-compliant
Your expenses, receipts and budgets stay with you. No sharing with ad networks.
Free to start
The free tier covers everything couples need day-to-day — without a time limit.
No tracking
No ad cookies, no hidden trackers. Just an app, not a data platform.
Read more
If you want to dig deeper before installing.
Split household costs — five models
50/50, income-proportional, the pot model and more: Which model fits your situation?
3-account model and Equna — why they belong together
The three-account model handles structure, Equna handles the day-to-day. Here is how they fit.
Equna vs. Splitwise
Where Splitwise shines, where Equna takes a different angle — an honest comparison for couples and families.
Frequently asked questions
Do we both need an account?+
Yes. Both partners install the app, one creates the group and invites the other via invitation link. From then on, both see the same expenses in real time.
Can we change the split later?+
You can adjust the global split anytime. You can also override the global rule on individual expenses when, for example, a purchase only benefits one of you.
What happens to the settlement at month-end?+
Equna computes the balance. You make the actual transfer yourselves — the app does not lock you into any payment provider.
What if we do not have a receipt?+
You can log expenses without a receipt. For online purchases, a screenshot of the order confirmation or the bank entry is enough.
Is Equna free?+
Yes. The free tier includes everything couples need: expenses, split, receipts (60 days), monthly close, three budget areas. An optional premium tier with longer receipt storage and annual budgets is planned.
Ready to take the noise out of money?
Install Equna, invite your partner, set the split — done.