Couples Money Management: A Complete Guide
Money is the #1 cause of relationship stress. Here's how to manage finances together without the awkward conversations or power imbalances.
Key insight: You don't need joint accounts to manage money together. Modern apps let you collaborate while keeping personal spending separate.
The 3 Approaches to Couples Finance
1. Everything Together
Joint accounts for everything. Simple but can cause friction over personal purchases.
Best for: Long-term couples with similar spending habits
2. Completely Separate
Keep everything split. Requires constant Venmo-ing back and forth.
Best for: New relationships or those who prefer independence
3. The Hybrid Approach
RECOMMENDEDSeparate accounts, shared visibility. Track shared expenses automatically while keeping personal spending private. This is what Savida enables.
Best for: Most couples - combines autonomy with transparency
Setting Up as a Couple
Create a shared group in Savida
Invite your partner to a 2-person expense group
Connect your banks (optional)
Each person's transactions stay private by default
Set up automatic split rules
E.g., 'Split all restaurant transactions 50/50'
Choose what to share
Mark specific transactions as shared or keep them personal
Settle up when convenient
Weekly, monthly, or whenever works for you
Common Couple Expenses to Track
Money Conversation Starters
Use these prompts for your next money talk: