The Couple Wallet is a calm place for partners to plan, save and spend with intention, without hiding anything and without having to hand over everything.
Four findings from published surveys and peer-reviewed research explain why we built this around honesty, shared goals and room for personal money.
of partners say they argue about money at least occasionally.
More than 1 in 4 couples named money as the greatest challenge in their relationship, and 2 in 5 couples were not aligned on how often they discuss their finances.
Fidelity Investments, 2024 Couples & Money Study: 1,794 US couples (3,588 individuals), surveyed by Ipsos in October and November 2023. Read the release.
of people with shared finances admitted to some form of financial deception toward a partner.
Examples include hiding purchases or not disclosing debt. Couples who experienced it were significantly more likely to argue about finances and reported lower relationship satisfaction.
National Endowment for Financial Education (NEFE) and The Harris Poll, Financial Infidelity 2021, US adults. See the poll.
couples were followed in a US study that found early arguments about money predicted divorce.
The lead researcher also reported that money arguments take longer to recover from than other arguments and tend to be more intense. This is an association, not proof of cause.
Dew, Britt and Huston, Family Relations, 2012, via Kansas State University. Read the summary.
of adults worldwide are financially literate, by one large global measure.
Gallup interviewed more than 150,000 adults in over 140 countries in 2014. Financial literacy meant answering at least three of four basic questions on interest, compounding, inflation and risk correctly.
S&P Global FinLit Survey, Klapper, Lusardi and van Oudheusden, World Bank and Gallup, 2015. See the report page.
Most couple-focused figures above come from US participants, and findings may differ in your country. Surveys describe what people report, not what is best for any one relationship.
Good money decisions need a financial lens and a relationship lens at the same time. We keep both in view, and we keep your personal money personal.
See how two common ways of splitting shared costs change what each of you keeps. Nothing you type leaves your device.
Once a month, sit down together with your shared numbers. The order matters, because starting with the good news makes the harder parts easier to say.
Pick a question and take turns answering it before you open any spreadsheet.
What did money mean in the home you grew up in?
No. The three buckets (mine, yours and ours) work with fully joint accounts, fully separate ones or anything in between. What matters is that you both know the plan for the shared part.
It means being dishonest about money in a relationship, such as hiding purchases or not disclosing debt. NEFE has surveyed US adults about it repeatedly. The goal here is to make hiding unnecessary by giving each person agreed room to spend.
That is the main reason the tool offers a proportional option. Some couples prefer equal amounts for simplicity and others prefer equal percentages for fairness. Neither is right for everyone, so try both and talk about how each feels.
Yes. The ideas apply to any couple sharing a household, and the tool works in fifteen currencies. Tax, property and marriage laws differ between countries, so check local rules before making legal or tax decisions.
No. The Couple Wallet offers education and conversation tools. It does not know your full situation. For decisions about investments, tax, debt or legal matters, speak with a qualified professional where you live.
We use it only to tell you when new guides and tools are ready. We do not sell it or share it. You can ask us to delete it at any time by replying to any message we send.
We are building guides for budgeting as a couple, planning big purchases and holding a money check-in. Leave your email and we will send them once, when they are ready.