Automated Couple’s Savings Goals: You can automate your deposits via couple’s goals and the rules you set up (heads up: you can tell this app what you’re trying to achieve, and by when, and it’ll automatically give you the digits on what you should save…then you can tweak and set up the automation).So, what makes this different from a normal bank account? With this finance app for couples, you’re sharing a joint account and joint debit cards with each other. Best Joint Account + Debit Card for Couples – Zeta Here’s a video tutorial so that you can visually see it:

Also, someone cannot use your Qube cash like they could cash in an envelope they find – that’s because you have to open the Qube on the actual app on your phone before you can proceed with the transaction through the card. But with Qube, you can’t just “lose” the cash or the cash envelope. For example, you could just lose your cash in envelopes (this has happened to lots of people!). It offers security and peace of mind you don’t necessarily get with carrying around cash. For starters, you get a routing number and account number for your envelope system, meaning you can use it with online purchases (can’t do that with physical cash envelopes!).

There are quite a few pros to using this system. As you fill up each Qube, it’ll automatically tell you what you have left in your overall Qube account to fill the remaining Qubes up with.Create your personal “Qubes” (you can think of these as your physical cash envelopes), and then deposit money into each Qube.You transfer money from your bank and/or joint accounts to this app (all Qube accounts are FDIC insured by our sponsor bank, Choice Financial Group up to $250,000).Receive a card to use with the app so that you don’t need to carry around cash to the envelope budgeting system – the card will “debit” the amount from the category you want to spend in (couples will each receive their own card).Then the primary user sends an invite to their partner to join their account (with the beta joint accounts). Choose one person to be the primary money manager, and each of you creates an account.With this app, you and your partner can both use envelopes digitally, and will be notified with the other’s spending, as well as how much is left in that particular category (“Qube”) to spend. This app offers a digital cash envelope budgeting system…with some seriously great couple’s budgeting functions ( available in beta testing right now – you can sign up for an account and then ask them to let you in). Best Cash Envelope Budget App for Couples – Qube Moneyĭo you use the envelope approach to budgeting? Meaning, you keep envelopes for different categories and fill them with a certain amount of cash to spend? Let me share with you the best couples budget apps that will not only take out a lot of the nagging undertones of money-related texting, but will help you both see your bigger financial picture so that you can make better financial decisions.Īnd we’ll start with my top pick for couple’s digital cash envelope budgeting. Best Couple's Budgeting Apps – Honeydue App Review Best Cash Envelope Budget App for Couples – Qube Money Yes – imagine your budget, spending plan, current checking account amount (if you have joint financial accounts), updates on your retirement dreams, and progress on your couple’s money goals being available at the touch of EITHER of your fingertips, anytime you want it.įinances synced between spouses’ phones…sounds about heavenly, right? Let’s check out these awesome couple’s budgeting tools.

Different money philosophies that lead to arguments (like one person being a “saver” and the other person being a “spender”)ĭid you know that you can make budgeting for couples a bit less… annoying?.Choosing to separate finances (which is fine), but then not figuring out a way to still work on couple’s money goals together.Disagreeing on how joint money should be spent.Not checking in with each other, or a joint account, before one partner goes grocery shopping or spends money online.Trying to manage money with a partner who has different spending habits than you.Other common couple money management problems include:

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