"Did Sam pay me back yet?"
You log every dinner, but the IOUs pile up and never close. Reminders feel awkward.
Now in early access — free to join
Splitwise meets your bank account.
The only money app for people whose money touches other people's money. Track your spending, manage bills, and split costs with couples, roommates, or trip crews — all in one place.
- No bank linking required
- Free during early access
- 60-second setup
The problemSplitwise Your bank app Notes app
You're using three apps to track one wallet.
"Wait, what's actually mine?"
Your balance includes money you owe friends, money friends owe you, and bills due tomorrow. Useless.
"When's rent due again?"
A scratchpad of bills, recurring subscriptions, and that loan from Mom. Updated never.
One ledger. Everything counted once.
That's Junto.
How it works
Three ways to share money. Pick what fits.
Junto is the first money app that gets it: not every shared expense is the same kind of shared. Couples don't need IOUs. Roommates do. Trip groups want to settle at the end.
01 / SHARED POOL
For couples & familiesOne pot. Both spend. No IOUs.
Both contribute to a shared pool. Both spend from it. Junto never says one of you owes the other — because that's not how partners actually work.
- Top up the pool from any account
- Withdraw to your own account anytime
- Pool health indicator — never go negative
Best for: couples, families, partners
02 / EXPENSE TRACKING
For roommates & ongoing groupsWho paid. Who owes. Settle anytime.
Classic split-the-bill, but smarter. One-tap settlements. Friendly reminders. Bulk-settle all your debts with someone in a single move.
- Real-time updates as members add expenses
- "Settle all $230 with Sam" — one tap
- Optional shared pool to cover group bills
Best for: roommates, custom groups
03 / TRACK ONLY
For trips & eventsTrack now. Settle smart at the end.
Everyone pays for whatever. Junto runs a tally. When the trip ends, it calculates the fewest payments needed to settle everyone up. No spreadsheets.
- No pool, no per-expense IOUs — just a running tally
- Minimum-transaction settlement engine
- Mark as settled, archive the trip, done
Best for: vacation groups, dinner crews, weekend trips
Your money, actually yours
Personal finance that doesn't guess.
Most apps tell you what you have. Junto tells you what you'll still have after rent, after the electric bill, after the trip to Lisbon you forgot you booked.
Total available — at a glance
Cash plus all your bank accounts, calculated live. Credit card balances tracked separately, never inflating your "available."
Bills, recurring, projected
Add it once. Junto handles every recurrence and shows your projected balance after upcoming bills, so you never get blindsided.
Income that arrives on time
Schedule your paycheck once. It auto-confirms when it lands, becomes balance, and never shows up before payday.
Borrow from a friend? Track it.
Personal loans live alongside credit cards. Repay any time, any amount. Lender gets a heads-up if they're on Junto too.
Good morning, Maya
$4,820
After bills: $3,140 · healthy
Checking
$3,420
Chase · 4821
Cash
$220
on hand
Savings
$1,180
Ally HYSA
Card owed
$340
Apple Card · due 28
Upcoming
Rent
Due in 6 days
$1,200
Electric
Due in 3 days
$94
Spotify
Due in 11 days
$11
Built right
Every feature you'd build, if you had time.
No bank linking. No "AI insights." Just the unsexy stuff that actually makes managing money easier.
Pricing
Free for one shared life. Pro for the rest.
Truly free. Unlimited personal finance, unlimited history, all three group modes — forever. Pro is for people who run more than one group at once.
Free
$0forever
Everything you need for one shared life.
- Unlimited personal finance
- 1 active group — couple, roommates, or trip
- All 3 group modes (Pool, Tracking, Track Only)
- Unlimited history — forever
- Real-time sync & settlement engine
- Bill reminders & projected balance
No card required.
Pro
$4.99/ month
or $39/year — save 35%
For the rest of your life's groups.
- Everything in Free, plus
- Unlimited active groups
- Custom split percentages & ratios
- Group analytics & CSV exports
- Recurring group expenses
- Priority support
Cancel anytime.
Your data stays. Cancel Pro anytime — your history doesn't disappear, ever.
Questions, answered.
Do you connect to my bank account?
Nope — and that's the point. Junto is read-only by design. You enter transactions yourself (or they auto-create from your scheduled bills and income). We store last 4 digits of accounts at most. No Plaid, no OAuth into your bank, no surprise transactions.
How is this different from Splitwise?
Splitwise tracks who owes who. Junto does that and tracks your actual money — your bank balance, your bills, your income, your credit cards. Plus we have three group modes (pool, tracking, track-only) instead of one. Couples don't need IOUs. Roommates do. Trip groups want to settle at the end. Junto fits all three.
How is this different from Mint or YNAB?
Mint is dead. YNAB is great if you want envelope budgeting and have hours to spend on it. Junto is built for people who don't live alone — partners, roommates, friends who travel together. Personal finance + group splitting in one ledger, with the unsexy parts (recurring bills, projections, credit cards) actually working.
Is it free?
Yes — genuinely free. Unlimited personal finance, 1 active group, all three group modes, unlimited history. Forever. Pro is $4.99/month or $39/year and unlocks unlimited groups, custom split percentages, group analytics, and recurring group expenses. Pick what fits.
What happens to my data if I delete my account?
Your data stays yours. If you delete your account, we soft-delete for 30 days (in case you change your mind), then permanently purge. If you cancel Pro, your history stays — we never charge for what's already yours. Export everything as JSON anytime. GDPR Article 20 compliant.
iOS app? Android app?
Junto is a web app first — works beautifully on mobile browsers, installable to your home screen as a PWA. Native iOS and Android apps are next on the roadmap.
Can I use Junto solo, without any group?
Yes. Personal finance is fully featured on its own — bills, recurring, credit cards, projected balance, the whole thing. Groups are a layer on top, for when you need them.
One ledger.
Everything counted once.
Stop juggling apps. Stop forgetting bills. Stop the awkward "did you Venmo me yet?" texts.
Get started free