Collection App Services 2026.08.15

A Tool for Managing Living Expenses and Subscriptions After Marriage

A digital household management system that transparently handles joint expenditures, settlements, and automatic payments while maintaining individual spending rights

#Newlyweds #Couples' Budgeting #Married Life Expenses #Subscription Management #Shared Expenses

After getting married, managing finances is about establishing the necessary scope for joint living and each person's choices rather than simply merging all accounts. It's important to distinguish between rent, loans, utilities, food expenses, insurance, expenses for both families, and personal spending, and decide who will pay and when to settle up. After that, you can choose an app. This list gathers various digital tools with different purposes like joint household accounts, settlements, bill calculations, asset tracking, and app store subscription management.

Avoid sharing a single financial account password. It's safer to check individually and share only the results of joint expenditures, or manage the account and card details separately for joint purposes. Since the app's automatic categorization of expenses may have errors, review them together once a month. Record the end date and automatic renewal details of free trials to prevent your partner from canceling individual subscriptions arbitrarily.

Google Sheets

Google Sheets is an online spreadsheet that allows couples to collaboratively edit items and budgets without needing a separate financial connection. Create and edit only fixed costs, variable costs, and irregular expenses as three zones, and limit editing rights to the couple's accounts. Avoid including account numbers or card numbers in public links, and review formula errors and duplicate entries together every month. Instead of using all features from the beginning, try out one core function for a month and ensure both partners are actually recording. Since pricing plans and available features may change, revisit official guidance and the current conditions in the app store before signing up or making payments.

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Microsoft Excel

Microsoft Excel is a spreadsheet tool that lets you calculate budgets, loan repayments, and subscription lists in the way you want, and collaborate on editing via OneDrive. If you’re already using Microsoft 365, consider simply modifying existing Excel templates rather than trying out a new budgeting app. Don't treat complex predictive figures as certainties; be sure to check for collaboration conflicts and file versions. Sharing does not automatically give access to a person's private space. Minimize the invitation targets and editing rights, and review access permissions, backups, and data handling after cancellation when relationships or devices change.

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Splitwise

Splitwise is a service that records expenses shared among multiple people, such as travel, furniture purchases, and family events. Use it for temporary joint projects rather than regular living expenses, and determine the currency and participants for the settlement criteria first. The app’s calculation results are not actual money transfers, so check separately if exchange rates, fees, and refunds are reflected. If one person is solely in charge of settings and entries, digital tools can become a new form of household labor. It's best to set input criteria and review dates, and if it becomes cumbersome to use, consider reducing functionalities or changing to a simpler method.

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Easy Budget Book

Pyeonhan Gakaebu (편한가계부)

Easy Budget Book is a domestic budget app that allows you to directly categorize income and expenses and check budget flows. If it's difficult for two people to use the same classification, let’s start by comparing just a monthly summary item. The automatic text input and backup features may vary depending on the operating system and permissions, so check the current support range before installation. It's important to distinguish what information is necessary for whom rather than turning on many notifications. Sensitive information such as social security numbers, bank account passwords, and medical records should not be stored in regular notes or public links, so check the service's security settings.

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Bank Salad

Bank Salad (뱅크샐러드)

Bank Salad is a mydata service that allows you to view financial information authorized by you and understand asset flows on a single screen. Each spouse can check their assets from their own accounts, and only share the totals needed for joint goals during couple meetings. Do not demand the connection of all financial information from your spouse, and differentiate between recommended products and actual needs. Rather than using all features from the start, try one core feature for a month and check if both people are actually keeping records. Since plans and provided features may change, be sure to review the official guidance and current conditions in the App Store before subscribing or making a payment.

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Toss

Toss (토스)

Toss is a mobile service that allows you to use various financial functions such as money transfers, account inquiries, and spending history from a personal account. When transferring living expenses and settling shared costs, leave a note and compare the results only on the predetermined date each month. Set up phone lock and biometric authentication, and do not log in or share authentication codes from the other person's phone. Sharing does not give automatic access to another person's private space. Minimize invitees and editing permissions, and review access rights, backups, and data handling after cancellation when relationships or devices change.

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Apple Subscription Management

Apple Subscription Management lets you check and cancel app subscriptions and renewal dates associated with your Apple account. Couples can check their own accounts and record service names, renewal dates, and monthly costs in a shared chart. Even after canceling, the end usage point may differ, and services paid for outside the App Store need to be checked separately. If one person is solely in charge of settings and entries, digital tools can become a new form of household labor. It's best to set input criteria and review dates, and if it becomes cumbersome to use, consider reducing functionalities or changing to a simpler method.

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Google Play Subscription Management

Google Play Subscription Management is a function that lets you check the renewal and cancellation status of app subscriptions purchased via Google Play. When starting a free trial, it's a good idea to register the end date in your calendar and let the actual user decide whether to cancel. Deleting the app may not cancel the subscription, and you should also check if it was paid for with another Google account. Rather than enabling many notifications, it's important to distinguish what information is necessary for whom. Sensitive information like social security numbers, bank account passwords, and medical records should not be stored in regular notes or public links, so check the security settings of the service.

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Apple Family Sharing Subscription

The Apple Family Sharing Subscription allows family members to individually use Apple services and some app subscriptions under their own accounts. Verify for overlapping payments, but first look into whether personal recommendations and libraries are separate, and who the payment responsible party is. Not all subscriptions are shareable, and turning on item sharing may affect the family representative's payment method. Instead of using all features from the start, try one key feature for a month and check if both people are actually keeping records. Since plans and provided features may change, be sure to review the official guidance and current conditions in the App Store before subscribing or making a payment.

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Microsoft 365 Family

Microsoft 365 Family is a subscription service that allows family members to share the benefits of document apps and OneDrive with individual accounts. If a couple is already paying separately for Office and cloud services, it's good to compare the number of shareable users and actual usage. If the subscription owner stops sharing, the storage and desktop app benefits may change, so check the file size before withdrawing. Sharing does not give automatic access to another person's private space. It's wise to minimize the number of invitees and editing permissions, and review access rights, backups, and data handling after cancellation when relationships or devices change.

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Household tools are not ledgers to monitor who spends more but rather materials to confirm common goals. If there is a difference in income, you should discuss what is fair among the options of splitting equally, proportionally, or fixed amounts. There are also areas like personal allowances, gifts, consultations, and medical expenses that may not be comfortable to explain but can be respected within agreed limits. If discussions get heated over numbers, it's better to realign the criteria for categorization before reaching conclusions.

Check for unused subscriptions, duplicate cloud services, and family-shared plans quarterly, but also consider how files, playlists, and storage space change after cancellations. Apply screen locking and multi-authentication for financial apps and avoid leaving login states on shared tablets. It’s good to maintain regular exports or monthly summaries so that communal records can continue even if one person quits the app or changes their phone.

한눈에 보기 10개

Apple Subscription Management

Google Play Subscription Management

Apple Family Sharing Subscription

Microsoft 365 Family