Best family expense tracker apps in 2027

Does your family need a budgeting app or an expense splitter?

A budgeting app tracks one household’s money against a plan, and an expense splitter tracks who owes whom when relatives pay for things separately. YNAB, Monarch and Honeydue are the first kind. EvenOut, Spliit, KittySplit and Splitkaro are the second.

Two parents running one budget need the first kind. Three adult children covering a parent’s bills, or a reunion where several households each pay for a different cost, need the second, because nobody is following a plan. They only need to know the running balance.

Say three siblings cover a parent’s $1,260 of monthly costs and agree on a 50, 30 and 20 split. They owe $630.00, $378.00 and $252.00. The family expense tracker template lays a month like that out on paper. In EvenOut, a By percent split takes 50, 30 and 20 and shows each person’s dollar share under their name.

How do the seven apps compare?

One EvenOut group holds up to 200 people, against six on one YNAB subscription and nine on a free KittySplit. Prices are as of October 2026.

App	What it tracks	What it costs	Who can join
EvenOut	Shared expenses and balances	Free, no ads; Pro is $9.99 a month or $79.99 a year	Up to 200 people per group
YNAB	One household budget	$109 a year or $14.99 a month	Up to six people, one subscription
Monarch	One household’s accounts	Core $99.99 a year or $14.99 a month	Household members at no extra cost
Honeydue	A couple’s accounts	Free, per its site	Built for couples
Spliit	Shared expenses and balances	Free, paid for by donations	Anyone with the group link
KittySplit	Shared expenses and balances	Free for 9 people; €2.99 once per group for more	9 free, 100 with Super Kitty
Splitkaro	Shared expenses and balances	Free; Premium $15 a year (US page)	Free plan lists a limit on creating groups

EvenOut

EvenOut’s Household group type (“Rent and bills”) fits a family that splits costs. One group holds up to 200 people, so a whole extended family fits, and there is no daily expense limit on the free plan and no ads. EvenOut has no budgets and no bank sync.

The owner decides who can edit: “Everyone” can change any expense, or “Only their own” limits people to what they added or paid for. A Viewer sees everything and can comment but cannot add or change expenses, which suits a relative who wants to follow along. A guest is someone who is not on EvenOut yet, like “Cousin Sam”: you track their share now and invite them later.

Spending charts show a group by category, person and month, across 33 built-in categories that include Kids and Education. Rent and subscriptions can repeat weekly, monthly or yearly, and charts, search and reminders are all free. Each expense stays in the currency it was logged in, with balances kept per currency.

YNAB

YNAB is a budgeting app at $109 a year (shown as $9.08 a month) or $14.99 a month, in US dollars plus tax where applicable. Up to six people share one subscription, each with a login. The Group Manager is the one billed, can invite and remove members, and sees every budget in the group.

At six people, $109 is $18.17 each a year. YNAB’s help guide on splitting says its options work with all bill-splitting apps, so a family that also splits costs between households pairs it with a splitter.

Monarch

Monarch Core is $99.99 a year (shown as $8.33 a month) or $14.99 a month. You can invite one or more household members under one subscription, each with their own login, and adding members costs nothing. Its couples page says both partners see all accounts and transactions, and Shared Views label items mine, theirs or ours.

Monarch states that it does not offer a way to budget separately and apart.

Honeydue

Honeydue describes itself as “The simplest way for couples to manage money, together”, so it is aimed at two people. Its site says “Honeydue is a free mobile app”, it connects to “over 20,000 financial institutions across 5 countries”, and the owner of each account chooses what a partner sees. Its app description also mentions dividing up expenses (“Divvy up expenses, and square up with your partner when the time is right”). The app listing carries a “Contains ads” label.

Spliit

Spliit is a free web app whose home page says “No ads. No account. Open Source. Forever Free.” Donations pay for hosting, the database and receipt scanning. It splits by percentage, shares or amount, and lists recurring expenses (daily, weekly or monthly) and an AI receipt scan, both in Beta.

Anyone who has the group link can read and change the group, and its author lists no notifications, no friends feature and no payment integrations as trade-offs.

KittySplit

KittySplit works around a “Kitty” that you create and share by link, with no account needed. A free Kitty holds up to 9 people, with expenses, comments and categories included, splits equally, by shares, by percentage or by fixed amount, and settles up in the fewest transfers.

Super Kitty is €2.99 once per group (“Is it a subscription? No.”). It holds up to 100 people and adds multiple currencies with conversion, default shares, receipt and photo attachments, per-category insights and a read-only link.

Splitkaro

Splitkaro, from Splitkaro Private Limited, says on its pricing page that the core app is free forever, with no limit on expenses or friends, and the Free plan lists a limit on creating groups. Premium costs ₹149 a month or ₹450 a year on its India page, and $4 a month or $15 a year on its US page.

Premium lists search, custom categories, receipt scanning past the 3 a month that Free covers, analytics, PDF exports, an “Ad-free experience” and priority support. EvenOut has search and spending charts on its free plan. Splitkaro also imports bills from Swiggy, Zomato, Blinkit and Zepto in India.

What does each cost per person?

EvenOut’s free plan costs nothing at any family size up to 200, and the cost of KittySplit and YNAB depends on how many people join.

Family	App	What it costs
Twelve relatives at a reunion	EvenOut	Nothing, in one group of up to 200
Twelve relatives at a reunion	KittySplit, Super Kitty	€2.99 once, about €0.25 each
Nine relatives splitting costs	EvenOut	Nothing
Nine relatives splitting costs	KittySplit, free Kitty	Nothing
Six people sharing one budget	YNAB	$109 a year, $18.17 each

One YNAB subscription covers six people and a free Kitty holds 9, so a family of 12 can pay once for a Kitty or use an EvenOut group, where the free plan covers up to 200 people.

How should a family choose?

For most families that split costs between households, EvenOut is the pick: the free plan has no daily expense limit and no ads, and one group holds up to 200 people. Choose by who pays and who needs to see what.

• Relatives splitting shared costs. EvenOut’s free plan covers groups of up to 200, with a guest option for relatives who are not on it yet. KittySplit is free up to 9 people.
• Two parents running one budget. YNAB or Monarch, or Honeydue for just the two of you. Best budget apps for couples compares them for two people.
• Family who will not sign up. Spliit and KittySplit need no account. EvenOut asks for a sign-in with Google or email, and a guest can be added by name first.

The line between the two kinds of app stays simple: a budget tells you what to spend, and a splitter tells you who owes whom. For bigger gatherings, the best group expense tracker apps sorts them by group size, and how to split family vacation costs works through a trip. A Household group in EvenOut keeps the count for the whole family in one place.