AI-Powered Finance for Couples

Your money. Your partner.
Smoov keeps it fair.

The first app built for couples who want to build a life together — without merging their financial identities. Smoov makes shared expenses visible, contributions fair, and money conversations unnecessary.

Download Free See How It Works
4.9 ★ on App Store
Bank-level encryption
7-day free trial
Good morningAlex & Jordan
A
J
Shared This Month
$2,847
↓ 12% vs last month
You Owe
$423
Due in 3 days
AI Savings Found
$189
3 suggestions
🛒
Whole Foods Market
Yesterday · Groceries
-$127.43
Split 60/40
🎬
Netflix
Mar 15 · Entertainment
-$15.99
Split 50/50
🏠
Rent — March
Mar 1 · Housing
-$2,400
Split 55/45
Works with your favorite cards & banks
The Real Problem

Every app solves the spreadsheet problem.
Nobody solves the relationship problem.

Money is the #1 source of conflict in relationships. Not because couples are bad with money — but because there's no system. Just assumptions, silent scorekeeping, and resentment building quietly in the background.

7 in 10

couples had a money disagreement in the past year

40%

would end a relationship over financial dishonesty

43%

of Gen Z prefer keeping finances fully separate

28%

of married Americans hide purchases or debt from their spouse

"I don't want a joint account yet."

Modern couples are getting married later, building independent wealth, and merging finances less. You want financial commitment with your partner — without giving up your autonomy.

"We make different salaries. How do we keep it fair?"

Equity doesn't mean 50/50. Smoov lets you set custom split percentages that reflect your real situation — so both of you feel good about how you contribute.

"Neither of us wants to bring it up because it feels petty."

That's the trap. Small resentments compound silently until they explode. Smoov replaces the conversation you're both avoiding with a system that just works.

There's a gap between "merge everything" and "Venmo your partner for groceries."
Smoov lives in that gap.

Financial partnership without financial surrender. You can be fully committed and fully autonomous. Those aren't opposites.

Features

Everything you need.
Nothing you don't.

Smoov's AI handles the complexity so you can focus on what matters — each other.

Automatic Splitting

AI categorizes and splits expenses in real-time based on your custom percentages. Set it once, forget it.

Built for Couples

Designed around how real relationships work. Private views, shared views, and everything in between.

Keep Your Cards

No new cards. No shared bank accounts. Keep earning points on the cards you already love.

AI Insights

Smart spending summaries, savings suggestions, and trend analysis. See the full picture, together.

Bank-Level Security

256-bit encryption. Plaid integration. Your financial data stays safe, always.

One-Tap Settle Up

Balance things out with a single tap. Direct ACH transfer, right in the app. Fast and secure.

How It Works

4 steps to smoov

Get set up in under 2 minutes. Seriously.

01

Connect Your Cards

Link your existing credit and debit cards securely through Plaid. Keep earning those rewards.

02

Invite Your Partner

Send a quick invite and connect your accounts. Both of you get private and shared views.

03

Share & Split

Move transactions to your shared view. AI auto-splits based on your agreed percentage.

04

Settle Up

When you're ready, settle the balance with a single tap. Direct ACH transfer, done.

Testimonials

Real couples. Real peace of mind.

See why couples trust Smoov with their shared finances.

★ ★ ★ ★ ★
"Smoov saved us hours every week and we don't argue about money anymore."
MaddyHead of Sales · Boston
★ ★ ★ ★ ★
"Helped us get on the same page about our expenses without having to talk about money all the time."
PeterProject Manager · Miami
★ ★ ★ ★ ★
"Even though my partner makes more than I do, Smoov lets me contribute to our expenses in a fair way."
TracyExecutive Assistant · Austin
Pricing

One plan. Two ways to pay.

Try Smoov Pro free for 7 days. No credit card required. Cancel anytime.

Monthly
$12.99 / mo

Full access, pay as you go.

  • 7-day free trial
  • Unlimited card connections
  • AI spending insights & savings suggestions
  • Custom split percentages per transaction
  • Unlimited settle-ups via ACH
  • Month-over-month spending trends
Start Free Trial
Save 55%
Annual
$69.99 / yr

Just $5.83/mo — best value.

  • 7-day free trial
  • Everything in monthly
  • Lock in the lowest price
  • Save over $85/year vs monthly
  • Priority support
  • Same features, bigger savings
Start Free Trial
Smoov
Get Started

The calm after the argument
you didn't have to have.

Stop scorekeeping. Stop avoiding the conversation. Start building your financial life together — on your own terms.

Start Your 7-Day Free Trial
Start Your 7-Day Free Trial