Money talks are easier when the numbers are just there
Most couples don't want a joint budget app with bank logins and category police. They want to know one thing: are we roughly even? Deudin answers that, and stays out of the way.
“You got the last three dinners…”
Did they? Neither of you actually knows.
“We said proportional to income.”
Agreed once, recalculated never.
“Let's not make it weird.”
The unspoken ledger is the weird one.
A ledger, not a merger
Deudin doesn't connect to your bank, doesn't see your salary, doesn't judge your categories. It's the shared notebook: who paid what, how you agreed to split it, who's ahead. Each of you keeps whatever financial privacy you keep; the shared part is just the shared part.
The split you agreed on, applied every time
- 50/50 — split equally, done.
- Proportional — 60/40 or any percentage, applied per expense. Set it once per entry; the history shows the agreement working.
- Adjustments — "equal, but I cover the difference for the gift" is one entry with an adjustment, not a side deal.
- One payer or both — the deposit you paid together is a multi-payer expense with each contribution exact.
Different currencies, one relationship
Long-distance stretches, trips, one of you paid the hotel in dollars and the other the train in euros — Deudin keeps balances per currency, so "who owes whom" never depends on an exchange rate nobody agreed on. Settle each currency when it makes sense; partial payments count. When you do settle, the fewest-transfers suggestion usually means one payment.
And because every change is in the activity history — who edited what, before → after — the conversation about money starts from the same numbers, which is most of the battle.
Questions, answered
Do we both need accounts?+
No — one of you can run the group and add the other by name. Though for a couple, both claiming their spot (one link, no install) is usually worth it so both can record.
Can we split proportionally to income?+
Yes — percentage splits per expense. Deudin never needs to know the incomes, just the percentages you chose.
Is our data private?+
The group's ledger is visible to the group's members — the two of you. Deudin doesn't connect to banks and only knows what you record.
What about recurring shared bills?+
There's no automatic recurring feature yet — a monthly bill is re-added each month. Honest trade-off; it takes seconds.
Same team, same numbers.
Create your group in ten seconds — the fairness conversation gets a lot shorter.