Chip In - Couples Finances

Chip In is the couples finance app that turns shared money into a shared picture—and now it tells you what needs attention before it costs you. Our customers save an average of $25–120 per month. Every account, every bill, every split, both partners, one place. Start free: connect one account through Plaid and get 2 full years of history, daily sync, bill tracking, forecasts, splits, settle-ups, and Smart Signals. All Access unlocks up to 15 accounts, investments, Chip In Intelligence, and more. SMART SIGNALS A daily feed on Home, Accounts, and Recurring, ranked most urgent first and curated by AI Charged after you cancelled, a cash shortfall in the next 14 days, a late paycheck, a trial about to bill—flagged before they hit Price hikes, renewals, fees, overlaps, and bills worth negotiating Tap any signal for the bottom line, the findings, and your next move BILLS, SUBSCRIPTIONS & FORECAST Cash-flow forecast for 2 weeks, 30, or 90 days, with paydays and your low point What's due before payday and what's left after bills clear Price changes: every increase and decrease, with history per item Needs Review: swipe to confirm or skip, and let AI fix mismatched categories in one tap Bills & Subscriptions Checkup: savings, tasks, trends, and where the money goes Your edits survive every Plaid sync ACCOUNTS Net worth history and a searchable account directory with nicknames Freshness per account, monthly change, and a reconnect banner the moment a connection breaks SPLITS, SETTLE UP & PAYMENTS One-tap splits—50/50, custom, or proportional to income Auto Split a recurring bill once; every future charge splits itself Settle Up in batches, reverse a split, pay through Venmo or Cash App, or record cash and checks Invite your partner in seconds and share only what you choose Split Intelligence (All Access): AI recommends the ratio, with its reasoning, before you tap SPLIT CHIP IN INTELLIGENCE (All Access) Ask anything in plain English across spending, income, subscriptions, cards, loans, and investments Every number is computed from your own transactions before the AI writes a word Charts and tables on demand; export answers to PDF, image, or CSV Mention your partner by name and both sets of finances come into context INVESTMENTS (All Access) Real-time quotes, performance, allocation, holdings, and movers Dividends: trailing-12-month, year-to-date, and lifetime income, plus upcoming payments Performance Insights: monthly returns, drawdown, and which holdings drive or drag Investment Alerts for price targets, drawdown, 52-week levels, and more CREDIT CARDS & LOANS Utilization, APRs, minimums, and due dates in your own time zone Card Spend Alerts at 75%, 90%, and 100% of your limit Credit Journey (All Access): debt-free date, promo APR expiry alerts, statement cycles, what each balance costs you this month, and "pay only the minimum" vs. a 3-year payoff plan RECEIPTS & MANUAL ENTRIES Snap a receipt and document-AI builds the transaction Unlimited manual entries for cash and anything your bank doesn't see SECURITY Zero credential storage—your logins never touch our servers One-time-password sign-up, encrypted in transit and at rest Your partner sees only what you share FREE VS. ALL ACCESS Free: 1 Plaid-synced account, 2 years of history, daily sync, Smart Signals, bills and forecasts, splits, sharing, payments, receipts, and alerts All Access: up to 15 accounts, investments, Chip In Intelligence, Split Intelligence, Credit Journey, and on-demand refresh across every account Monthly or yearly. Cancel anytime—no phone calls, no chatbots, no hassle Manage or cancel your subscription anytime in the app or in your Apple subscription settings. Terms of Use (EULA): https://coupleschipping.in/mobiletermsofservice Support: [email protected]