The mismatch
Apps built for couples start from one pot. One budget, one login, one household total, and both of you inside it.
That is not how a lot of couples run money, especially before marriage, in second relationships, and anywhere the incomes are very different. You each keep your own accounts. Some costs are split, evenly or not. And every app you try wants you to merge first, then works out your share as an afterthought if it does it at all.
Cashrou starts from your pot and records the parts that are not entirely yours.
What Cashrou does differently
Shared bills, where only your half counts. Put rent in as $1,450 and record that your partner pays back $725. Cashrou counts $725 against your payday, because $725 is what actually leaves your account. The full amount stays on the bill, so you can still see what the household costs.
The lopsided split, which is the common one. The bill is $1,450, your partner covers $1,000, your share is $450. Or they cover all of it, your share is zero, and it still appears on the list so nothing is forgotten at renewal.
Accounts you part own. Mark an account as shared and set your percentage. A joint investment account holding $12,000 that is half yours counts as $6,000 toward your net worth. Without that, every joint balance either inflates your net worth or has to be left out entirely, and both are wrong.
Your leftover is genuinely yours. The figure at the bottom of a payday is what is free after your share of the shared costs, not after the household’s. It is the number you can actually spend.
Is there a shared login?
No. There is no joint account, no partner invite, and no single budget two people sign into. If that is what you are looking for, there are apps built around a shared budget and Cashrou is not one of them.
In practice couples using Cashrou run one subscription each, with their own paydays, their own accounts, and each shared bill recorded on whichever side actually pays it. That sounds like a limitation and for merged finances it is. For separate finances it is closer to how you already think: your money is yours, and the shared costs are a line in it.
Can we see each other’s figures?
No. There is no shared view, no combined household total and no “we”. You each see your own.
Who settles up?
You do. Cashrou records that your partner owes you $725 and counts your share correctly from the moment you enter it. It does not move money and it does not chase anybody, because it has no connection to any account in either direction.
Who is this not for?
Couples who have merged everything and want one budget. Anyone who wants to sit down together in front of the same screen. Anyone who needs their partner to be able to enter things. For those the honest answer is an app built around a shared budget, and we would rather say so here than after you have paid.
What does it cost for two of us?
$4.99 a month each, or $49.99 a year each, with seven days free. There is no couples plan, and offering one would be a discount on a shared login that does not exist. Full pricing.