"Did Sam pay me back yet?"
You log every dinner, but the IOUs pile up and never close. Reminders feel awkward.
Launching 1 October — join the waitlist
Split expenses and track your money in one ledger.
Junto is a personal finance app and an expense splitting app in one. Track your bills, credit cards, and budgets, then split costs with your partner, roommates, or trip group without leaving the app. No bank linking, ever.
- No bank linking
- Free plan, up to 3 groups
- Launching 1 October
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 app for your budget, your bills, and every expense you split.
Everything counted once.
How it works
Three ways to split expenses. Pick what fits.
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. Junto gives you a different mode for each instead of forcing all three through one.
01 / SHARED POOL
Shared expenses for couplesOne 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
Split expenses with roommatesWho 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.
- Everyone sees new expenses next time they open the app
- "Settle all $230 with Sam" — one tap
- Optional shared pool to cover group bills
Best for: roommates, custom groups
03 / TRACK ONLY
Trip expense splittingTrack 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
Personal finance tracking
Budget and track spending without linking your bank.
Most budgeting apps want your bank login. Junto doesn't ask for one. You enter what you spend, or let your scheduled bills and income enter themselves, and Junto shows what you'll still have after rent, after the electric bill, after the trip 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 and recurring payments, projected forward
Add it once. Junto handles every recurrence and shows your projected balance after upcoming bills, so you never get blindsided.
Income that lands when it actually lands
Schedule your paycheck once. It auto-confirms when it lands, becomes balance, and never shows up before payday.
Personal loans and credit cards in one place
Money you borrowed from a friend sits alongside your credit cards. Repay any amount, any time. If your lender is on Junto too, they get a heads-up.
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
For business
Track business expenses without a second app.
You paid for a client lunch on your personal card. You bought groceries with the business card. Now neither set of numbers is true. Junto tracks both directions and settles them.
The business owes you
A business expense you paid personally. Settle it and the money moves back to you.
You owe the business
A personal expense paid from the business. It becomes an owner's draw. Settle it and it's returned.
Separate business ledger
Business money never touches your personal spending stats, budgets, or available-to-spend.
Both directions of owner mixing
Business-paid-personally and personal-paid-from-business. Settle either side and the money moves.
Profit and loss
In, out and net for the last six months.
Tax and VAT capture
Business expenses totalled per year. Receipt scanning guesses the tax line for you.
Business categories
Separate from your personal ones, so reports stay clean.
CSV export
The whole business ledger in one file.
Entirely opt-in
Turn it on and a business tab appears. Leave it off and you never see a trace of it.
The business suite is part of Pro.
Built right
Everything a serious expense tracker needs.
No bank linking. No "AI insights." Just the unsexy stuff that actually makes managing money easier.
Pricing
Free forever. Pro for unlimited groups and business.
Every plan gets the full personal finance toolkit and all three group modes. Pro adds unlimited groups and the business suite.
Junto opens 1 October. Both plans start then.
Free
Freeforever
Everything you need to manage your money and share it.
- Full personal finance — accounts, cash, credit cards, bills, recurring income and expenses, budgets, savings goals
- Up to 3 groups
- All three group modes — shared pool, expense tracking, track only
- Personal loans between friends
- Receipt scanning
- Multi-currency
- Unlimited history
Pro
Waitlist firstPricing announced at launch
For everything past your first three groups — and the business you run.
- Everything in Free
- Unlimited groups
- The business suite — separate business ledger, expense reimbursement and owner's draw tracking, profit and loss, tax capture, business categories, business CSV export
Waitlist members get first access to Pro.
Questions, answered.
Is Junto a free alternative to Splitwise?
Junto does everything Splitwise does — track who paid, who owes, and settle up — and then keeps going. It also tracks your own bank balance, bills, credit cards and budget, so shared money and personal money sit in one ledger. The free plan covers up to 3 groups and all three splitting modes, with no time limit.
Do I have to connect my bank account?
No, and you can't. Junto never asks for a bank login. There is no Plaid, no OAuth, no read access to your accounts. You enter transactions yourself, or they create themselves from the bills and income you've scheduled. That means no surprise transactions and nothing to revoke if you leave.
What's the best way for couples to share expenses?
Shared pool mode. Both of you contribute to one pot and both spend from it, so Junto never tells one partner they owe the other. Roommates usually want expense tracking mode instead, where every expense creates a debt you settle when you like.
Can I split expenses with roommates and track my own budget in the same app?
That's the whole idea. Most people run Splitwise for the group side and something else for their own money, then reconcile the two in their head. Junto keeps both in one ledger, and your share of a group expense shows up in your personal spending automatically.
How is Junto different from Mint or YNAB?
Mint is gone. YNAB is strong envelope budgeting if you want to work at it. Neither handles money you share with other people. Junto is built for households and groups first, with budgets, recurring bills, credit cards and debt payoff underneath.
Can I track business expenses too?
Yes, on Pro. If you run a business or freelance, you can keep a separate business ledger that never touches your personal spending stats or budgets. It tracks both directions of owner mixing, shows profit and loss for the last six months, captures tax and VAT on expenses, and exports to CSV.
Is there a free plan?
Yes. Free covers all your personal finance, up to 3 groups, and all three splitting modes, with no time limit and no card required. Pro adds unlimited groups and the business suite. Pro pricing is announced at launch.
Can I use Junto on my own, without any group?
Yes. Personal finance works fully on its own — accounts, bills, recurring payments, credit cards, budgets with rollover, savings goals, investments and debt payoff planning. Groups are a layer you turn on when you need them.
When does Junto launch?
1 October. Everyone on the waitlist is emailed first, and waitlist members get first access to Pro.
One ledger.
Join the waitlist.
Junto opens 1 October. Leave your email and we'll tell you the day it's ready.
Join the waitlist