Consul Money Consul Money Consul is the budgeting app for couples who share bills but not bank accounts.
Set how you split each kind of bill, like 70/30 for rent and 50/50 for groceries. Consul splits every shared purchase for you and keeps track of who owes who. Settle up when it suits you both, like once a month over pizza and wine and turn money talk into something fun and easy!
“Thanks Consul for solving our money problems and improving our relationship, much cheaper than couples counseling and way more effective! Highly recommend!”
Wording revised 2026-10-20; to confirm with Matthew and the couple that these are their words, with written permission, before launch. "More effective than counseling" is a comparison regulators treat as the advertiser's own claim.
See how it worksSettling up happens outside the app (Consul moves no money and records the payment). The monthly pizza is a suggestion, not a feature.
Merge your money and your partner sees every purchase. Keep it separate and you’re back to spreadsheets and “you owe me” texts, when all you wanted was a fair way to share the bills.
Consul shares the bills, not the bank accounts. You each keep your own money, and share only what you share: rent, groceries, the dog. Consul splits each one the way you agreed and keeps track of who owes who, so you can spend less time keeping tabs on each other and more time actually being together.
HOLD: "You each keep your own money... share only what you share" is a privacy claim. It can't go live until the Terms (s.5) and Privacy Policy (s.11) match how the app works.
Link your accounts and cards. Consul reads your spending (it never moves money) and suggests a budget.
Choose what you share, like rent and groceries, and set a split for each: 70/30, 50/50, whatever’s fair.
New purchases land in the right category and split themselves, using the splits you’ve set up.
Consul keeps a running balance of who owes who. Pay each other when you like, record it in a couple of taps.
Step 1 screen shows "Last mo. $0" from a test account: recapture with real history. Step 3: categorizing is automatic but not always right. Steps 3 and 4 use App Store screenshots with demo names.
“We tried a shared spreadsheet, then a splitting app, and somehow I always ended up chasing him for money. Now rent splits 65/35 and groceries 50/50 on their own, and the app just shows who owes what. We settle up once a month and that’s it. I’m not the one who has to ask anymore, and money just doesn’t come up the way it used to.”
Most budgeting apps make you share everything or nothing. Consul lets you share what you’ve agreed, and keep the rest yours. Rent, groceries and the dog go in your shared view, where you can both see every purchase. Your own spending can stay completely private, so their birthday present is still a surprise.
HOLD: privacy claim. Can't go live until the Terms (s.5) and Privacy Policy (s.11) match how the app works.
New job? Pay rise? One of you going part-time, or a baby on the way? Just because you agreed 70/30 on rent doesn’t mean it has to stay that way. Open a category, change the split, and Consul applies the new one to every purchase from then on.
"From then on" matches what Matthew told us. Whether past purchases re-split is still an open question, so the copy doesn't promise it.
Everything is laid out simply, so Consul never becomes one more thing on your plate. See what’s shared, check who owes who, and never get bogged down in spreadsheets or silly arguments about money again.
Available now on iPhone, iPad and Mac from the App Store.
"Never... silly arguments about money again" is an outcome promise we can't guarantee; consider "never get bogged down in spreadsheets or 'who paid for what' again". Screens are App Store demo data; Fidelity and merchant names are third-party marks. Android not available (Play link is dead).
Here’s an idea we like. Once a month, whatever suits you, book a night out. Pizza and wine, or your favorite spot. Spend the first five minutes on Consul: check the balance and settle up in a couple of taps. Then put the phones away and enjoy the rest of the night.
Now, the bit that used to feel awkward becomes a small ritual that improves your relationship, and something you both actually look forward to!
A suggestion for couples, not an app feature. "Improves your relationship" is an outcome claim; for live, consider "a small ritual that keeps you on the same page". The chat is an illustration, not a real conversation.
“We have a joint account for the mortgage and our own accounts for everything else, and every app we tried wanted us to merge it all or track it ourselves. Consul just gets how we actually live. The shared stuff is shared, the rest is ours, and the balance is there if one of us covers something. We’ve stopped having the ‘who paid for what’ conversation entirely.”
“Marcus is the money person. I’m the ‘just tell me what I can spend’ person, and I fully expected another app I’d ignore after a week. But I don’t have to do anything. My card spending shows up and splits on its own. Once a month he tells me the number, I pay it, and we go get tacos. It’s the first money thing we’ve ever completely agreed on!”
“Tom earns about twice what I do, and for two years we split everything down the middle. I never said anything, but I was always the one who was broke by the 20th. Now rent is 65/35 and groceries are 50/50, and nobody had to have a big awkward talk to get there. For the first time, splitting the bills actually feels fair. I don’t feel like I’m counting every dollar anymore, or counting his.”
“I was running a budget app, a splitting app and a shared spreadsheet just to keep things fair. Every Sunday I’d reconcile it all and feel like his accountant, not his girlfriend. Now it’s one app, the splits happen as we spend, and settling up takes a couple of taps on our Friday pizza night. Ben says I’m way more fun on Sundays now!”
We know switching how you share money is a big step, so we want you to see for yourselves how much lighter it feels when nobody has to keep score. That’s why you can try Consul completely free for 14 days: enough time to set your splits together and let Consul keep track of who owes who, so money goes back to being something you share, not something you keep tabs on.
One Couple plan covers you both.
Download the app and your 14-day free trial starts automatically.
Flow (Matthew, 2026-10-15): download from the store and the 14-day trial starts automatically. Confirm: does the trial need payment details up front (App Store trials usually do) and does it renew into the paid plan automatically? The wording above and in the FAQ assumes it does.
Consul can only read your transactions. It can’t move, send or spend a single cent, and your bank login is handled by a secure third-party connection, not stored by Consul. When you settle up, you pay each other however you normally would.
"Bank login handled by a third party" follows the Privacy Policy (s.5: "In many cases"). Confirm with Matthew which provider is used and that it's true for every bank. No "bank-level" or "encrypted" claims until substantiated.
They don’t need to be. Once your splits are set, there’s nothing to do day to day: purchases come in and split themselves. Your partner only needs to glance at the balance when you settle up, which takes a couple of taps.
Confirm with Matthew whether the partner has to connect their own banks, and who sets each split.
You decide together what’s shared. Most couples share the big things, like rent and groceries, and keep things like personal spending money and gifts to themselves. It’s not about secrets. It’s about not having to explain every coffee, and keeping their birthday present a surprise.
HOLD: privacy claim until the Terms (s.5) and Privacy Policy (s.11) match the app. "Most couples" is phrased as typical use, not a statistic; soften to "Many couples" if preferred.
Card and bank spending comes in automatically. Cash is easy to add by hand, and if a purchase lands in the wrong category, move it and it splits the right way.
"Splits the right way" after re-categorizing: confirm with Matthew that moving a purchase applies the new category's split.
After your 14 days, the Couple plan is $15.99 a month for both of you, which is about $8 each. You won’t be charged anything during your 14 days, and you can cancel any time before they’re up. After that it’s a rolling monthly plan, so you can still cancel any time.
$15.99/month is the Couple Monthly price listed on the App Store (read 2026-09-23). Confirm with Matthew it's the live price going forward (he also proposed $100/year) and that the trial converts to the monthly plan.
Free for 14 days. One plan covers you both. Cancel any time.
Store badges reuse the artwork on consul.money; swap in Apple and Google's official badge files before launch (both have brand rules). The Google Play link from consul.money returns "not found" and Android isn't ready yet: confirm with Matthew before showing it.