Zeta App Shut Down: What Happened and the Best Free Alternative (2026)

Updated June 22, 2026 · By Alejandro Macías Bonet, CEO of Splitt · 5 min read

⚠️ Zeta shut down on May 9, 2025. Users received 30 days notice. Acorns acquired the Zeta brand and assets. The askzeta.com domain now redirects to an unrelated site. If you used Zeta, you need a new app - this page explains your best options.

Quick answer: The best free Zeta alternative in 2026 is Splitt - it tracks shared expenses and running balances without requiring a bank account. Free, global, works from any browser without downloading anything.

Real data: what couples actually spend (Splitt, June 2026)

Analysis of 424 shared expenses logged by real couples on Splitt:

Groceries account for 65% of shared spending volume - by far the largest category for couples.
Average shared expense: €216 - couples log rent, bills, and big purchases together, not coffees.
Housing (rent, utilities, furniture) is the second largest category: ~15% of total.
52% D7 retention among couples who log their first shared expense - the habit forms fast.
Under 5 minutes from signup to first logged expense.

Source: anonymized aggregate data from Splitt, June 2026. No other couples expense app publishes real usage data.

What happened to Zeta?

Zeta was one of the most polished couples finance apps available. It combined bank account syncing, budgeting, shared goals, and spending insights in a sleek US-only platform. But in April 2025, users received a 30-day shutdown notice.

Timeline

April 2025: Zeta announces shutdown with 30 days notice.
May 9, 2025: Zeta officially shuts down. All accounts closed.
June 2025: Acorns acquires the Zeta brand.
Today: askzeta.com redirects elsewhere. No Zeta product exists.

Thousands of couples who relied on Zeta daily were left without a replacement. If you were one of them, here's what to do.

What Zeta was - and what to look for in a replacement

Couples-only focus. Built for two people, not groups. Your replacement should be the same.
Real-time shared balance. Both partners saw the same data. Essential.
Expense tracking. Who paid what, automatically categorized.
Goals together. Saving toward something as a couple.

Zeta's weakness was that it required US bank account linking and was US-only. A good replacement fixes both.

Splitt: the best free Zeta alternative

Splitt is built exclusively for couples - not groups, not roommates, not businesses. Just two people tracking shared expenses together.

Works globally

US, UK, EU, Latin America, anywhere. No geographic restrictions. No US bank requirement. Active users in Spain, Mexico, Colombia, UK, France, Germany.

No bank connection required

Log expenses manually in under 10 seconds. No banking credentials, no Plaid, no privacy risk. You control exactly what data is logged.

Completely free

Splitt's core features are permanently free. No subscription to track expenses, see the balance, or set savings goals. Premium (€7.99/month) is optional.

No download needed

Works from any browser on iOS or Android. Open splitt-app.com and you're in. Add to home screen for a native app feel - no App Store install required.

Switch from Zeta to Splitt

Free, no bank required, works everywhere. Set up in under 2 minutes.

Try Splitt free →

Zeta vs. Splitt: comparison

Feature	Splitt	Zeta (shut down)
Status	Active - 2026	Shut down May 2025
Price	Free	Free (was)
Bank connection	Never required	Required
Countries	Global, 7 languages	US only
No download	Yes (PWA)	App required
Couples-only	Yes	Yes (was)
Savings goals	Yes	Yes (was)

Other options for former Zeta users

Splitwise - designed for groups, not couples. Free tier now limited to 3 expenses/day. Pro costs $4.99/month. Not a like-for-like Zeta replacement.

Honeydue - in zombie mode since 2023. Debit card discontinued, acquired by Mission Lane, no new features. US bank sync required. Not recommended.

Monarch Money - $15/month, individual wealth management. Not couples expense tracking.

Verdict: For former Zeta users who want a free, global, couples-only expense tracker that doesn't require a bank connection, Splitt is the best option available in 2026.

Start with Splitt →