There's two of us.
We get paid different amounts on different days. We share bills. Who's paying for what and when?
A Pragmatic System for Couples Who Share Bills
The End of Money Fights
Cobalance helps two people coordinate fair per paycheck deposits to a shared bills account and verifies the future balance remains solvent.
Peace doesn't require tracking every dollar or a budget.
Start 30-Day Free Trial
Set up in 10 minutes. Know the bills are covered and what's left for you.
THE PROBLEM
Coordinating money together isn't easy
Should we combine our money or keep things separate?
If combined, we gain simplicity but at the cost of our independence. If separate, we have to track who owes who.
Are we sure there's enough to cover the bills?
We could keep a large buffer in the joint account for peace of mind, but that would tie up cash. We could put everything on the credit card, but that leads to extra spending and fees
THE SOLUTION
Transform shared bills into fixed per-paycheck deposits.
Agree on how to fairly split recurring expenses. Transfer your share to the bills account each check. Cobalance forecasts future cash flow. When income or expenses vary, know when you're covered, or have time to react when you're not.
How Cobalance works
1
Bring a Shared Bills Account
A checking account designated exclusively for recurring bills.
2
Add all pay schedules and recurring bills to the model
Your shared bills, their due dates, and how often each partner gets paid.
3
Cobalance calculates each partner's share per paycheck
Cobalance totals your shared bills, assigns each partner's share, then divides that share across their paychecks.
Contribution per paycheck = partner's share of yearly bills ÷ number of paychecks per year.
4
You get a fixed contribution and "safe to spend" number
With the model in place, Cobalance will deterministically forecast your bills account for the next 12 months and show, for each paycheck, how much goes to bills and how much is truly safe to spend.
5
When Life Changes, Resync in Seconds
If income or bills change, update a few fields and Cobalance instantly re-anchors the forecast.
THE BILLS ACCOUNT
How to Run a Bills Account That Practically Runs Itself
A few simple rules turn your per-paycheck number into a zero-stress system.
Send the Right Amount
Cobalance gives each person a per-paycheck deposit for the bills account. Have your employer direct-deposit that amount into the bills account each paycheck.
Put Every Bill on Autopay
Cobalance lets you know if there's a shortfall in the forecasted balance. Stop the worrying and mental math to figure out if they're going to be covered.
Scheduled Transactions Only (Best Effort)
Try to avoid unscheduled transactions against the bills account. This keeps the balance predictable. For shared, variable spending like groceries, consider opening another checking account. Once a week, transfer a fixed amount from bills to groceries.
GET STARTED
Try Cobalance Free for 30 Days
Set up your shared bills system in minutes.
Cancel anytime before your trial ends.