For couples who share money
Shared money.
Separate lives.
Isomoira keeps an honest, running picture of what you and your partner share — and lets each of you decide, account by account, exactly how much the other one sees.
The membrane
Three tiers, per account.
You pick each one.
Sharing a household budget shouldn't mean handing over your statement. Every account you add carries its own tier, and you can change it whenever you like.
Every line, both ways
Transactions and balance. The tier for a joint checking account, where nothing was ever private anyway.
The number, not the list
They see what you have, not what you bought. Your own card, still counted in the household picture.
Invisible, still yours
Your partner never sees it. It still feeds your own budgets, so your safe-to-spend stays true.
Preview as partner shows you the app exactly as they see it — before you commit to a tier.
Built in, not buriedThe ledger
It keeps score so neither of you has to.
Every shared expense accrues to one running balance. No reminders, no chasing, no monthly reckoning you both dread.
01 — DECIDE
Shared, personal, or split
A queue grouped by merchant, so two Trader Joe's runs clear in one tap. Swipe or tap — five seconds to undo either way.
02 — ACCRUE
Any ratio you agreed on
Fifty-fifty, seventy-thirty, or a fixed amount off the top. The share bar under every expense shows who actually carried it.
03 — TRUE UP
One number, when it matters
The button only appears once the balance is worth settling. Send a payment link or mark it settled — the ledger resets to even.
No notifications about money. No red numbers. No one is the household accountant.
Isomoira never sends a nudge about what someone owes. The balance sits there, accurate, until one of you feels like closing it. Over-budget shows up as a word, not a color — nothing in the app is designed to make either of you feel caught.
What's in it
The whole household, on both devices.
Review queue
Grouped by merchant, cleared in about a minute a week.
Splits, any ratio
Percentages or a fixed slice, per expense or as a default.
Buckets that carry
Underspend rolls forward. Overspend starts the next month clean.
Safe to spend
One number, with the arithmetic behind it one tap away.
True-up links
Send a payment link, or record that you settled in cash.
Home screen widget
The balance and what's left, without opening the app.
Face ID lock
Optional, and the app hides itself in the switcher.
iPhone and iPad
One app, laid out properly for both. Dark mode throughout.
Your data, exportable
Take it with you any time, or delete the account outright.
Pricing
Manual is free. Automatic is a subscription.
One subscription covers the household — one bill for the two of you, never per seat.
Manual
FreeComplete, not a trial. You add expenses yourself; everything else works exactly the same.
- Review, splits and the ledger
- Included
- Buckets and safe to spend
- Included
- True up and payment links
- Included
- Both of you, both devices
- Included
Automatic
30 days freeConnect a bank and transactions arrive on their own. Then pick Solo or Couple, monthly or annual.
- Everything in Manual
- Included
- Read-only bank connections
- Included
- Covers both partners
- One bill
- Billed by Apple, cancel anytime
- Yes
Plan prices are set at launch. Waitlist members hear first.
Who it's for
Two incomes, one household, separate accounts.
Isomoira was built for couples who share the costs without merging their lives — and who'd rather the money conversation got shorter.
- You split rent and groceries, but you each keep your own accounts.
- One of you earns more, so you split proportionally — not down the middle.
- You have a joint account and still end up owing each other anyway.
- One of you tracks everything and the other one would rather not think about it.
- Not for you if you want streaks, badges, or a dashboard of charts. There's none of that here.
Security
Private by construction.
Sign in with Apple
No passwords to store, and no email to hand over if you don't want to.
Read-only connections
Bank access can read transactions and never move money. Tokens stay server-side, never in the app.
Pinned connections
Certificate pinning on every request the app makes.
Lock and shield
Optional Face ID on open, and the app blanks its own preview in the switcher.
Leaving is clean
Leave a household, or delete your account — and the copy goes with it.
Open to read
The client is on GitHub. You can see how the membrane is enforced.
Questions
Fair enough.
Do we both have to pay?
No. One subscription covers the household. If your partner already subscribes, you connect a bank under their plan — one bill, never per seat.
Can my partner see my private spending?
Only what the tier on that account allows. Set an account to Just me and it never leaves your device's view — while still counting toward your own budgets.
Is manual mode a crippled demo?
No. Review, splits, buckets, the ledger and true-up all work. The subscription buys automatic bank sync, not the features.
What happens if we break up?
Either of you can leave the household. You keep your own history, the shared ledger closes out, and neither of you needs the other's permission.
Will it nag us to settle up?
Never. Isomoira sends no notifications about who owes what. The true-up button doesn't even appear until the balance passes twenty dollars.
Android?
Not yet — iPhone and iPad first. The waitlist is the best way to hear when that changes.
Be there when it opens.
Waitlist members get the first TestFlight invitations and the launch pricing.