Splitt
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Splitt
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Zeta is a couples finance app that promises to simplify how partners manage money together. But if you've tried it, you know the reality: setting it up takes time, it asks for a lot of personal information, and getting both partners onboarded feels more like applying for a bank account than downloading a simple expense tracker.
If you just want to track who paid what and keep the balance even — without connecting bank accounts or filling out financial forms — there's a much simpler option available in 2026.
💡 Splitt is a free couples expense tracker that works directly in your browser. No download, no bank connection, no lengthy setup. Both partners see the shared balance in real time. Start in 30 seconds.
Zeta started as a couples financial wellness app and has evolved into something closer to a neobank for couples. It offers features like joint accounts, bill tracking, a couples debit card, and budgeting tools.
That's genuinely useful — but only for couples who want to merge their finances at that level. For couples who just want a simple answer to "who paid more this month?", Zeta is significantly more than what's needed.
The friction in Zeta comes from its ambition. It wants to be your couples bank, not just your expense tracker. That means:
None of this is a flaw in Zeta — it's doing exactly what it was designed to do. But if your goal is simply to stop the recurring argument about who's been paying more, a lighter tool will serve you better.
Splitt takes the opposite approach. There's no banking involved, no identity verification, no joint accounts. It's purely an expense tracking layer for two people.
Here's how it works:
Every expense you add is instantly visible to your partner. The app maintains a running balance showing who has paid more and by exactly how much. Both of you see the same number at the same time.
| Feature | Splitt | Zeta |
|---|---|---|
| Price | 100% Free | Free (with paid features) |
| App install required | No — browser-based | Yes — iOS & Android |
| Bank account needed | No | Yes (for most features) |
| Identity verification | No | Yes |
| Real-time shared balance | Yes | Yes |
| Available internationally | Yes | US only |
| Setup time | ~30 seconds | 10–20 minutes |
| Joint bank account | No | Yes |
The bottom line: choose Zeta if you want to bank together. Choose Splitt if you want to track who paid what — right now, without any friction.
No download. No bank connection. Both partners see the balance in real time.
Open Splitt →There's a reason most couples don't end up using the full suite of features in apps like Zeta or Honeydue. Life is busy. You're not going to open a complex financial app every time you buy groceries — you'll just forget, and the app becomes useless within a few weeks.
The apps that couples actually use long-term are the ones that take the least effort to maintain. A two-tap expense log beats a five-step bank sync every time.
Splitt is designed around that reality. Adding an expense should take under ten seconds. If it takes longer, you won't do it.
🌍 Splitt is available in English, Spanish, French, German, Italian, Portuguese and Catalan.
Zeta is a powerful app for couples who want to bank and budget together in one place. But for the majority of couples who simply want to know who has paid more this month, it's far more than needed.
Splitt gives you exactly what you need: a shared, real-time balance between two people. Free. No install. No bank connection. Ready in 30 seconds.