Manifesto
Learn why we're building plan/ria
Go to our manifesto
Limited early access

Stop arguing about bills. Start building together.

The relationship finance tool that works alongside your existing bank—from roommates to marriage.

The relationship finance tool that works alongside your existing bank

FCA-Regulated
Bank-Level Encryption
No Payment Required

Join the first 1,000 couples on the waitlist

Get early access

Join the early movement reinventing shared finances

Keep the moments. Skip the money fights.

Couple enjoying sunset together using plan/ria shared finance app
Remember this
Enjoy life's moments together

Track shared expenses effortlessly so you can focus on what matters—building memories together.

Frustrated couple arguing over bills and expenses before using plan/ria
Not this
Avoid money fights and stress

Stop arguing about who paid what. plan/ria makes splitting expenses fair, transparent, and automatic.

Join the Movement

1,000+ couples already waiting

Finally, an app that gets it. We're not ready to merge everything, but splitting bills manually was killing us.

— Sarah, London

I earn more than my partner and always felt guilty about 50-50 splits. plan/ria's proportional splitting is a game-changer.

— James, Manchester

Privacy controls mean I can still surprise them with gifts without them seeing every transaction. Brilliant.

— Aisha, Birmingham

Built for Real Relationships in the UK

You're not alone in figuring this out. 3.5 million cohabiting couples in the UK, plus millions more sharing households, are navigating the same challenges you are.

3.5M

Couples living together

64%

Share bank accounts

88%

Value independence

£339

Average overpayment yearly
Personal

Start with your own accounts

Smart Splitting

Split bills fairly in seconds

Shared Goals

Save and plan together

Full Partnership

Go fully joint when ready

Get Started Free
What makes plan/ria different

Built for evolving relationships

From roommates to marriage, plan/ria adapts to how you share life — and money. Works alongside your existing bank, no switching required.

Fair, flexible splits

Split by 50-50, income, or custom rules. Change per bill without spreadsheets.

Progressive transparency

Start private, share what matters, and increase visibility as trust grows.

Shared goals

Plan milestones together — holidays, deposits, weddings — with clear progress.

Works with your bank

Link Monzo, Revolut, or traditional banks via Open Banking. No switching required.

FCA-regulated Open Banking

Two cards, one team

Personal cards, shared rules. Set limits and categories without losing privacy.

Graceful separation

If paths diverge, settle up and unwind shared accounts without drama.

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  • Blog

Tired of This?

😤

Paying more than your fair share? You're not alone—30% of people sharing households overpay by £339 a year

📊

Money stress is real—34% of couples say rising costs have strained their relationship

💸

Those awkward bill conversations? 30% of couples argue over household bills, especially utilities

😰

Feeling like you need to hide financial struggles? You're not the only one—17% admit hiding debts from partners

We've Got You Covered

Works With Your Bank

No need to switch banks or disrupt your routine. Works alongside Monzo, Revolut, and traditional banks—start where you are

Built for How Relationships Actually Work

The missing layer between "everything separate" and "everything joint"—because most relationships live somewhere in between

Your Privacy, Your Choice

88% of people value financial independence. Start private, share what matters, and increase transparency as trust grows

Grows With Your Relationship

From roommates splitting utilities to cohabiting couples to marriage—your financial setup evolves with you

Start Your Journey

Your Situation, Your Setup

Every relationship is different. Start where you are.
🏠

Just moved in together?

Start by splitting rent 50-50 while keeping everything else separate. No pressure to merge more until you're ready.

💰

One person earns more?

Switch to income-proportional splits in seconds. Fair doesn't always mean equal—and that's okay.

💍

Planning something big?

Create shared savings goals for weddings, house deposits, or holidays without merging everything else.

Works With Your Existing Bank

Start with bill-splitting using Open Banking. No need to switch banks or open new accounts. Works alongside Monzo, Revolut, and traditional banks.

Shared Spending

Both cards draw from shared accounts with customizable spending limits

Individual Privacy

Keep personal purchases private while sharing what matters

Grows With You

From casual dating to marriage - your financial setup evolves

Get Started

Effortless Bill / Splitting

Say goodbye to chasing payments or confusing calculations. Get clarity on who owes what, so you can focus on what matters.

Milestones shared with Alice
Emergency fund

£40,000 • Complete

Home renovation

80% • In progress

You Control What They See

Share what matters. Keep what's private. Change it anytime. Build trust at your own pace.

What should Alice see?

Shared Spending

Both cards draw from shared accounts with customizable spending limits

Individual Privacy

Keep personal purchases private while sharing what matters

Grows With You

From casual dating to marriage — your financial setup evolves

Why Not Just Get a Joint Account?

Traditional joint accounts are all-or-nothing. Relationships aren't.

It's no wonder joint account usage has declined from 25% to under 10% in just two years. 88% of people in relationships value maintaining some financial independence—and that's completely valid. plan/ria is the missing layer between "everything separate" and "everything joint," giving you the flexibility to find what works for your unique relationship.

Traditional Joint Accounts

Merge everything or nothing
No privacy for personal purchases
One setup for life
Awkward if you break up
Designed for married couples

plan/ria

Choose what to share
Keep personal spending private
Evolves as your relationship grows
Graceful separation built-in
Built for all relationship stages
Join the Waitlist

Why plan/ria?

  • Because relationships aren't static—they change and grow. That's why we've built it to be flexible and adaptable, so you can manage your money in a way that works for you.
  • Because we're the missing layer between separate accounts and joint accounts—works alongside your existing banks (Monzo, Revolut, traditional banks) without requiring you to switch. Build trust through daily use, then earn the right to ask for more later.
  • Because we understand relationships evolve, and finance should too—no one else is building tools that acknowledge this reality. We're not trying to be another bank. We're building something that actually fits how relationships work in real life.
Join the Waitlist

Relationship Tiers

Choose the perfect setup for your current stage — from simple expense sharing for roommates to comprehensive financial planning for committed partners. Transition smoothly as your relationship evolves.

Roommates

Split bills and manage shared expenses. No access to each other's accounts.

Couples

Share what matters, keep privacy. Choose what to share and what to keep private.

Partners & Spouses

Full financial partnership. Joint account option, shared goals and plans, and complete transparency.
Join the Waitlist

Who is plan/ria for?

  • Roommates wanting fair and easy bill splitting
    (Split utilities, rent, and household shopping without the awkwardness)
  • New couples moving in together and navigating shared finances for the first time
    (Start with one bill, expand as trust grows—no pressure to merge everything)
  • Established partners who earn different amounts
    (Fair doesn't always mean 50-50. Split by income percentage, not just down the middle)
  • Long-term couples looking for better ways to manage joint expenses while maintaining individual privacy
    (Save together for big goals without sharing every coffee purchase)
  • Anyone sharing financial responsibilities
    (From dating to marriage and everywhere in between)
Start Your Journey

Honest questions deserve honest answers

Ready to get started?

Frequently asked questions

Got questions? We've got answers. Here are the most common questions about plan/ria.

Still have questions? We'd love to hear from you. Get in touch

Our Manifesto

Discover the principles that guide our mission to reinvent shared finances for evolving relationships.
Read Our ManifestoJoin the Waitlist
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