1. Problem & Proposed Solution

Couples who put 100 % of their spend on multiple credit cards struggle with:

• Seeing a real-time combined feed across banks/networks (Amex + Chase + Apple Card, etc.)
• Getting duplicate transactions (same Uber ride on both partners’ cards) out of reports
• Quickly applying split rules (50/50, 70/30, tag as personal vs shared)
• Deciding how much cash to keep vs. pay-off strategy for rewards-maximising card churn Existing apps (YNAB, Monarch, Honeydue, PocketGuard) support couples but treat cards like any other account; Reddit threads show manual work-arounds for duplicates and splits.

2. Evidence of Active Pain

Reddit /r/budget, /r/MonarchMoney, /r/ynab contain dozens of posts in the last 12 months:

• “Budget app for people who put every transaction on a CC” (Apr 2024) – 125 comments, many saying nothing handles this well.
• “Budgeting apps with auto-splitting of transactions” (Oct 2023)
• “There has to be a better way to add all credit-card transactions?” (Aug 2025) These posts get answers like “I export to CSV and dedupe in Sheets” → clear friction.

3. Keyword Validation

(Extract from keyword tools) | Keyword | Monthly volu...