Stop arguing about bills. Start building together.
Join 1,000+ UK couples on the waitlist
Get Early Access🔒 No payment required · UK-only · FCA-regulated · Bank-level encryption
Join the early movement reinventing shared finances
Keep the moments. Skip the money fights.
Join the Movement
Finally, an app that gets it. We're not ready to merge everything, but splitting bills manually was killing us.
I earn more than my partner and always felt guilty about 50-50 splits. plan/ria's proportional splitting is a game-changer.
Privacy controls mean I can still surprise them with gifts without them seeing every transaction. Brilliant.
Reinventing Shared Finances
We are building a new standard for personal and shared money.
Start with your own accounts
Split bills fairly in seconds
Save and plan together
Go fully joint when ready
Built for evolving relationships
Fair, flexible splits
Split by 50-50, income, or custom rules. Change per bill without spreadsheets.
Progressive transparency
Start private, share what matters, and increase visibility as trust grows.
Shared goals
Plan milestones together — holidays, deposits, weddings — with clear progress.
UK open banking
Link accounts securely via Open Banking. Bank-grade encryption, FCA oversight.
Two cards, one team
Personal cards, shared rules. Set limits and categories without losing privacy.
Graceful separation
If paths diverge, settle up and unwind shared accounts without drama.
Tired of This?
Awkward money conversations
Messy spreadsheets
Who owes what confusion
Relationship stress over bills
We've Got You Covered
Split any expense in seconds
Built for couples, not corporations
Your money and data are protected
From dating to marriage and beyond
Your Situation, Your Setup
Just moved in together?
Start by splitting rent 50-50 while keeping everything else separate. No pressure to merge more until you're ready.
One person earns more?
Switch to income-proportional splits in seconds. Fair doesn't always mean equal—and that's okay.
Planning something big?
Create shared savings goals for weddings, house deposits, or holidays without merging everything else.
Two Cards, One Relationship
Not ready for shared cards yet? No problem. Start with our bill-splitting feature and upgrade to shared cards when you're ready.
Your Name
7115 4217 9068 6240
01/28
550
Your Love's Name
5897 707 5820 4108
01/28
293
Shared Spending
Both cards draw from shared accounts with customizable spending limits
Individual Privacy
Keep personal purchases private while sharing what matters
Grows With You
From casual dating to marriage - your financial setup evolves
Effortless Bill / Splitting
Say goodbye to chasing payments or confusing calculations. Get clarity on who owes what, so you can focus on what matters.
You Control What They See
Share what matters. Keep what's private. Change it anytime. Build trust at your own pace.
Shared Spending
Both cards draw from shared accounts with customizable spending limits
Individual Privacy
Keep personal purchases private while sharing what matters
Grows With You
From casual dating to marriage — your financial setup evolves
Why Not Just Get a Joint Account?
Traditional Joint Accounts
plan/ria
Why plan/ria?
- Because relationships aren't static—they change and grow. That's why we've built it to be flexible and adaptable, so you can manage your money in a way that works for you.
- Because financial apps should fit your life, not the other way around—every relationship is unique, and we're here to help you manage your money in a way that works for you and your partner every step of the way.
Relationship Tiers
Choose the perfect setup for your current stage — from simple expense sharing for roommates to comprehensive financial planning for committed partners. Transition smoothly as your relationship evolves.Roommates
Couples
Partners & Spouses
Who is plan/ria for?
- Roommates wanting fair and easy bill splitting(Split utilities, rent, and household shopping without the awkwardness)
- New couples moving in together and navigating shared finances for the first time(Start with one bill, expand as trust grows—no pressure to merge everything)
- Established partners who earn different amounts(Fair doesn't always mean 50-50. Split by income percentage, not just down the middle)
- Long-term couples looking for better ways to manage joint expenses while maintaining individual privacy(Save together for big goals without sharing every coffee purchase)
- Anyone sharing financial responsibilities(From dating to marriage and everywhere in between)
Honest Questions Deserve Honest Answers
Frequently Asked Questions
Still have questions? We'd love to hear from you. Get in touch
Our Manifesto
Ready to Stop Fighting About Bills?
