Chip In - Budget & Track Money

Chip In is the couples finance app that turns shared money into a shared picture, and tells you what needs attention before it costs you. Our customers save an average of $25–120 per month. Both partners, one place. Start free: connect one account through Plaid for 2 years of history, daily sync, budgets, reports, bill tracking, forecasts, splits, and Smart Signals. All Access unlocks up to 15 accounts, investments, retirement planning, Chip In Intelligence, and more. SMART SIGNALS A daily AI-curated feed on Home, Accounts, Recurring, Liabilities, and Investments, most urgent first Charged after you cancelled, a cash shortfall in the next 14 days, a late paycheck, a trial about to bill: flagged before they hit BUDGETING A monthly budget for any category, with spent, left, and left per day Live pace: Under, On track, Nearing, At risk, or Over Six months of history per budget Roll over unspent or overspent money into next month Alerts as you near your limit Suggested budgets from your last three months Pause anytime; budgets show on Home REPORTS Nine reports for any period, for both of you or just you: Overview: what you kept and your savings rate Net Worth: what moved it and where it's heading Cash Flow: income to categories to what you kept Income: every source, next paydays, and lifestyle creep Bills: renewals, price changes, ways to save Couple: who paid, who owes, is it fair Patterns: unusual charges and surprise fees Intelligence (All Access): an AI briefing on any report INVESTMENTS (All Access) Retirement planner: your readiness, how long your money lasts, and your odds of success; test retiring later or saving more Portfolio Health: a score out of 100 and what to fix first Market Radar: risk, valuation, trend, and 52-week high and low signals Holdings heat map, by value and by account Performance vs. benchmarks, with drawdown and a monthly return calendar Real-time quotes, plus dividend income history and upcoming payments Investment Alerts, with a one-tap Starter Pack BILLS, SUBSCRIPTIONS & FORECAST Cash-flow forecast for 2 weeks, 30, or 90 days, with paydays and your low point Needs Review: swipe to confirm, and AI fixes mismatched categories in one tap Your edits survive every sync SPLITS, SETTLE UP & PAYMENTS One-tap splits: 50/50, custom, or by income Auto Split a recurring bill once; every future charge splits itself Settle Up in batches, pay by Venmo or Cash App, or record cash Invite your partner in seconds and share only what you choose Split Intelligence (All Access): AI recommends the ratio before you tap SPLIT TRANSACTIONS & ACCOUNTS Rules & Tags: build a rule from a transaction, or describe it in plain English Switch a transaction between Expense, Income, transfer, payment, or refund Detailed categories, net worth history, searchable account directory CHIP IN INTELLIGENCE (All Access) Ask anything in plain English across spending, income, cards, loans, and investments Every number is computed from your own data before the AI writes a word Charts and tables on demand, exportable CREDIT CARDS & LOANS Utilization, APRs, minimums, and due dates Card Spend Alerts at 75%, 90%, and 100% of your limit Credit Journey (All Access): debt-free date, promo APR alerts, and "pay only the minimum" vs. a 3-year payoff plan RECEIPTS & SECURITY Snap a receipt and document-AI builds the transaction Zero credential storage; encrypted in transit and at rest FREE VS. ALL ACCESS Free: 1 Plaid-synced account, 2 years of history, daily sync, budgets, reports, Smart Signals, bills and forecasts, splits, payments, receipts, alerts All Access: up to 15 accounts, investments and retirement planning, Chip In Intelligence, Split Intelligence, Credit Journey, on-demand refresh Monthly or yearly. Manage or cancel anytime in the app or in your Apple subscription settings. Terms of Use (EULA): https://coupleschipping.in/mobiletermsofservice Support: support@chipin.mobi