Pivunio for two
An expense splitting app built for two people
For a couple, the point is not elaborate accounting. It is knowing, at any moment and without thinking about it, who owes how much to the other.
Getting started in three steps
- 🏠
Create the group
A name, a currency, your first name. Nothing else to fill in before you start.
- 🔗
Send the link
The invite link goes over any messaging app. Your partner joins with a first name, no install needed.
- 🧾
Log as you go
Each of you adds what you paid from your own phone. The shared balance recalculates straight away.
What you can track
Groceries, restaurants, rent and bills, subscriptions paid from one card, holidays: anything one of you fronted that concerns both. For each expense you set who paid, and who it counts for.
Three split modes cover almost everything a couple needs: equal shares for day-to-day spending, exact amounts when part of a bill was only for one of you, and percentages when incomes are unbalanced.
Two incomes, one split key
| Person | Net income | Share | Rent due |
|---|---|---|---|
| Person A | 2,400 | 60% | 720.00 |
| Person B | 1,600 | 40% | 480.00 |
| Total | 4,000 | 100% | 1,200.00 |
Work the percentages out once with the income prorata calculator, then enter them on the expense.
Nothing forces you into that key: plenty of couples stay fifty-fifty whatever the income gap. The value of an explicit split is that it is decided once, visible to both, and no longer re-argued on every purchase.
What Pivunio does not do
To be clear about the current scope: no bank synchronisation, no automatic recurring expenses, no receipt scanning, no detailed analytics, no offline mode, and no automatic exchange rates. An expense in another currency is entered with its converted amount.
If one of those is essential to how you organise money together, it is better to know now than to find out halfway through a trip.
Frequently asked questions
Do we both need an account?
No. Whoever creates the group enters a first name and shares the invite link; the other person joins with their first name. Email stays optional, and is only useful to find your groups again on another device.
Can we keep personal spending out of it?
Yes: only put shared spending in the group. An expense logged without the other person among its participants changes no shared balance.
What if our incomes are very different?
Switch that expense to percentages or weighted shares. The income prorata calculator works out the percentages to enter.
Do we have to settle every month?
Not at all. The group stays open and the balance keeps moving; many couples simply record one repayment a month, around rent day.
Editorial review — Written and reviewed by the Pivunio team. The methods described here are the ones the app itself uses, and they are covered by automated tests.