Shapital — The Shared Budget App for Couples

Everything two people need to budget together

Made for couples and families. Works just as well solo.

Budget Planning

Assign every dollar a purpose with zero-based budgeting. Plan by category and stay in control.

Shared Budgets, Live

Both of you (or your whole family) see the same plan in real time. No more "did you see what we spent?"

Savings Goals

Set targets, track progress, and celebrate milestones as you build your savings together.

Smart Reports

Beautiful charts and exportable reports that make your financial story crystal clear.

Designed to delight

Every screen crafted with care — from dashboard to reports, managing money feels effortless.

A shared budget's activity feed, showing both partners' entries

Savings goals with progress towards each target

Spending broken down by category as a donut chart

Built in Johannesburg. For couples everywhere.

If you've ever sat down on a Sunday night to "figure out the budget" and ended up arguing with your partner over a Google Sheet that only one of you understands — this is the app I wished existed.

Shapital started in my own household, in Johannesburg. We tried YNAB (too complex for my partner), Mint replacements (wanted our bank logins), and spreadsheets (you know how that ends). I'm a developer, so I built what we actually needed: zero-based budgeting that's simple enough to share, no bank linking, works offline, and reports that actually look good when you open them.

It's still just me building it — no VC, no growth team, no dark patterns to keep you subscribed. Every feature exists because my own household uses it. If something's broken or missing, you can email me and I'll usually reply within a day.

Frequently asked questions

Everything you need to know before you download.

Shapital is free to download. The free tier covers one budget, 12 months of history, CSV export, and one person to share that budget with. Sharing is not the paid part. Premium is $4.99/month or $49.99/year and adds unlimited budgets and history, room for three people on a shared budget, Excel and PDF reports, and advanced analytics. No ads on either tier.

Shapital is built for couples who want to plan their money together — and works just as well for families or solo budgeters. If you've tried spreadsheets and given up, or tried apps that felt like accounting software, this is the in-between you've been looking for: structured enough to be useful, simple enough that you'll actually keep using it together.

Both use zero-based budgeting — the idea that every dollar of income gets a job before you spend it. The difference is who it's built for. YNAB is built for individuals who want deep control and don't mind a learning curve. Shapital works just as well solo, but it's built so couples and households don't need one designated "money person" — it's simpler, designed to be shared, and costs less. If your partner has ever given up on a budgeting app, try this one.

No, and you can't even if you wanted to. Shapital never asks for bank logins, card numbers, or account access. You log expenses yourself — which takes a few seconds per transaction and keeps your financial data on your phone, not on a third-party aggregator.

Yes. Every account can share a budget with one other person at no cost, so a couple never needs to pay to budget together. Premium raises that to three people, and anyone with their own Premium subscription does not count towards the limit. Everyone logs their own expenses and sees updates in real time, without sharing a login.

Yes, fully. Add expenses, check budgets, and review analytics without an internet connection. Everything syncs the next time you're online — useful when you're at the till and the signal drops.

Your data stays put, and so does anyone already sharing a budget with you. Nobody is removed. Your budgets and history stay readable on the free tier. What you lose is Excel and PDF reports, advanced analytics, extra budgets, and the room to invite beyond one free collaborator. Re-subscribe anytime and pick up where you left off.

iPhone (iOS) and Android. Your data syncs across your own devices when signed in. Shapital supports all major currencies — pick yours when you set up your first budget.

Same budget. Same page. No arguments.