Splitt
← Open app
Splitt
← Open app
Short answer: Zeta was acquired by Acorns and shut down on May 9, 2025. It is not coming back. The best free replacement for Zeta is Splitt — a couples-only expense tracker that's free, requires no bank sync, works worldwide, and needs no app download.
If you used Zeta to manage shared expenses with your partner, you already know what happened: Acorns acquired the company and gave users roughly 30 days to export their data before everything was switched off. Millions of couples who relied on Zeta's clean, couples-focused interface suddenly needed to find something else.
This guide covers exactly what happened to Zeta, why the most common alternatives fall short, and why Splitt is the closest replacement for what Zeta offered.
Zeta launched in 2019 as a modern finance app built specifically for couples. Unlike most expense-splitting tools designed for groups of roommates or travel friends, Zeta focused entirely on two people managing shared money — joint accounts, shared expense tracking, and a real-time balance between partners.
Timeline: Acorns acquired Zeta in early 2025. On approximately April 9, 2025, Zeta users were notified of a 30-day shutdown window. The service went offline on May 9, 2025. All user data, transaction history, and shared accounts were permanently deleted after that date.
Acorns' focus is individual micro-investing — round-ups, automated savings, and investment accounts. Zeta's couples expense tracking functionality didn't fit Acorns' product roadmap, so it was shut down rather than integrated. Zeta is not coming back as a standalone product.
Before finding the right alternative, it helps to be specific about what Zeta offered that made it useful:
Most alternative apps miss on at least one of these. Splitwise is for groups. Honeydue requires US bank accounts. YNAB costs $99/year and is designed for individual budgeting. None of them are what Zeta was.
Splitt was built from the ground up for couples — not groups, not individuals, not families. Like Zeta, it assumes there are exactly two people sharing expenses, and everything in the product reflects that. The interface is simpler than any group-focused app because it only needs to solve one problem: who has paid more, and by how much.
Splitt's core features — unlimited expense logging, live balance tracking, spending history, and charts — are free. There are no daily expense limits, no paywall for basic functionality, and no credit card required to start. This matches what Zeta offered as a free product.
Zeta required linking bank accounts — which was one of its features but also a limitation for couples outside the US or couples who preferred not to share their full transaction history. Splitt uses manual entry. You log what you spent together in about 5 seconds. Your personal transactions stay private. Your partner never sees your full bank history.
Zeta was US-only. Splitt works in any country, supports any currency, and is available in English, Spanish, French, German, Italian, Portuguese, and Catalan. This makes Splitt the right choice for international couples and the majority of Zeta's former users who are now looking for something that doesn't require a US bank account.
Splitt is a Progressive Web App (PWA). You open splitt-app.com in your phone's browser, and it works immediately. No App Store, no Google Play, no waiting for a download. Your partner joins by tapping a link you send them. Both of you are up and running in under two minutes.
| App | Couples-only | No bank sync | Works internationally | Free core features | No install |
|---|---|---|---|---|---|
| Splitt | Yes | Yes | Yes (7 languages) | Yes, unlimited | Yes (PWA) |
| Zeta (shut down) | Was yes | Required US bank | US only | Was yes | App required |
| Honeydue | Yes | Recommended (US) | Limited | Yes | App required |
| Splitwise | Groups | Yes | Yes | 3 exp/day limit | App required |
If you exported your Zeta data before the May 9 shutdown, you have a CSV of your transaction history. You can't import that directly into Splitt — but most couples don't need to. What matters is the current balance going forward, not the historical record from a closed product.
Go to splitt-app.com on your phone. Create a free account with your email in about 30 seconds. No bank credentials, no credit card.
Send your partner a link. They tap it, create their account, and you're connected. You're now both looking at the same shared space.
If you remember approximately what your Zeta balance was, you can log an opening entry to capture that. Otherwise, start fresh from today — most couples find a clean slate is the easiest approach.
Add a shared expense in about 5 seconds: amount, description, who paid. Splitt updates the balance instantly for both partners.
No data import required. Starting fresh is the path most couples take. The running balance is what matters — and that starts building from your first expense in Splitt.
For a broader overview of couples finance tools, see our guide on the best app for couples finances in 2026. If you're also considering other Splitwise alternatives, see our comparison of Splitwise alternatives built only for couples.
Splitt is free, couples-only, works worldwide, and takes 2 minutes to set up. No bank account. No credit card.
Try Splitt free — no install needed →Yes. Zeta was acquired by Acorns, the micro-investment app, and shut down on May 9, 2025. Zeta users received approximately 30 days' notice before the service ended and their data was deleted. Acorns absorbed certain technology assets from Zeta but discontinued the couples expense tracking product entirely.
No. Zeta is not coming back. The product was shut down as part of Acorns' acquisition. Acorns is an investment platform focused on micro-investing and round-ups — not couples expense tracking. There is no announced plan to revive Zeta as a standalone product.
When Zeta shut down on May 9, 2025, all user data was deleted from their servers. Zeta offered a data export window before shutdown. If you did not export your data before that date, it is no longer accessible. Your transaction history, shared accounts, and balance records were permanently removed.
Splitt (splitt-app.com) is the best free replacement for Zeta. Like Zeta, it is built specifically for couples — not groups. It tracks shared expenses, calculates who owes what automatically, and requires no bank account linking. Unlike Zeta, it works worldwide, supports 7 languages, and requires no app download.
No. Splitt never asks for bank credentials. You log shared expenses manually — which takes about 5 seconds — and the app calculates the balance automatically. This also means Splitt works in any country, not just the US, and gives both partners full privacy over their personal transaction history.
Yes. Splitt works in the US and internationally. It supports any currency and is available in English, Spanish, French, German, Italian, Portuguese, and Catalan. Because it doesn't rely on bank APIs, it works identically in every country.