Boney: Couple Budget & Bills

What Boney is for and who it suits

Shared money gets messy when two people, or four flatmates, each pay for different things and nobody is sure who is square. Boney is a shared ledger for that situation. Each person adds their own expenses, and the app works out who owes whom according to the split the group agreed. The developer aims it at couples, flatmates and families with children.

It does not connect to a bank account. You enter what you paid, or import a statement, and the figures come from what you put in.

Seeing who owes who as you go

The home screen shows what is left for the month and where each person stands: who owes how much, and who is owed. The point is that settling up becomes something you read through the month, rather than a sum you work out at the end.

To log a cost, you enter the amount, pick the budget it belongs to and say who paid. Boney applies that budget's split and updates the balance between you. On the free version, expenses, income and recurring bills are unlimited.

Personal spending sits on its own side of the app, apart from shared budgets such as rent and the food shop. Only what you choose to put in common is shared, so a couple can keep separate accounts, with or without a joint one.

Choosing how costs are split

Each budget can use an equal split, fixed shares or custom amounts for each person. The couple agrees the split once, and Boney applies it to every expense after that.

If you would rather split by income, you enter each person's percentage and the app works the shares out from those. The listing presents 50/50 as one option among several.

The free version covers 3 budgets with 2 people in each. Premium, bought as an in-app purchase, removes those limits, giving unlimited budgets and people. The listing says that is for flatmates or a family of three or more.

Recurring bills and monthly targets

Rent, council tax, energy, broadband and subscriptions can each be set up once as a recurring bill. Boney adds it on the due date and splits it the way you agreed, so the sums do not need redoing every month.

Each budget can also carry a monthly target. It shows what has been spent, what is still coming up and what is left to spend. A couple budget or household budget fits on one screen.

In a shared flat, this covers everything from energy to the weekly shop. For a family, the listing says children can be included in the budget.

Importing bank statements without a bank link

CSV import is free. You pick a statement file exported from your bank, check each line, and Boney keeps only the debits.

Premium adds import of a statement or document taken as a photo or a PDF. Premium also includes data export and full history, where the free version keeps 30 days of history in the analytics.

The listing says Boney never connects to your bank and makes no payments, so it never touches your money. It works only from what you add or import.

Using Boney on iPhone, Android and the web

Boney is a native app on iPhone and Android. The web version at boney.app can be installed on Mac, Windows and Linux. The listing says budgets stay in sync across your devices.

The listing says sensitive data is encrypted and secured, stored in Europe in line with applicable regulations, and not sold. Premium includes priority support.