We keep track in our heads
Most couples with separate accounts use nothing at all. The result: silent tension that builds up.
Private beta opening in June 2026
On the 1st of the month,
you're even.
Pyzo is the money app built for couples who want to keep their accounts separate — no spreadsheets, no friction, no mental math.
Join the waitlist
9:41
Home
8 expenses to settle
Léa — you owe
1 210,58 €
Shared expenses to settle
4 236,00 €
58%42%
You
2 446,58 €Léa
1 789,42 €Recent activity
Full historyToday
2 348,00 €
Travel
20:33 · my share 80%
2 000,00 €
− 1 600,00 €
Dining
19:29 · my share 53%
98,00 €
+ 46,42 €
Personal care
01:40 · my share 20%
250,00 €
+ 200,00 €
Yesterday
58,00 €
Groceries
02:08
58,00 €
+ 29,00 €
Home
Expenses
Stats
Profile
The problem
So how do you handle it?
Three common methods. None really works over time.
We use a spreadsheet
But whoever keeps the file eventually gives up. And only one of you really knows where things stand.
We use Tricount
But it's built for trips, not for running a household over several years. You have to re-enter everything each month.
The solution
Pyzo is three simple things.
Three actions designed to become second nature, friction-free.
01
Log an expense in 10 seconds
Groceries at Carrefour, €187, paid by me, split 60/40 by income. Pyzo works out who owes what, automatically.
02
See who owes what in real time
Open the app and you know instantly. No more "wait, how much did you pay me back already?"
03
Settle the month in one tap
On the 1st, Pyzo shows you the net balance for the past month. One PayPal, Revolut or Lydia, and it's done.
Preview
The app we're building. Here's what you'll get in beta.
01
You know instantly who owes what
The dashboard you open every day
9:41
Home
8 expenses to settle
Léa — you owe
1 210,58 €
Shared expenses to settle
4 236,00 €
58%42%
You
2 446,58 €Léa
1 789,42 €Recent activity
Full historyToday
2 348,00 €
Travel
20:33 · my share 80%
2 000,00 €
− 1 600,00 €
Dining
19:29 · my share 53%
98,00 €
+ 46,42 €
Personal care
01:40 · my share 20%
250,00 €
+ 200,00 €
Yesterday
58,00 €
Groceries
02:08
58,00 €
+ 29,00 €
Home
Expenses
Stats
Profile
02
Log an expense in 10 seconds
The button you use every day
9:41
Add expense
90€
Category
Groceries
Dining
Travel
Home improvement
Housing
Transport
Personal care
Leisure
Health
More
Who paid?
MeLéa
Split
50/50By incomeCustom
Me 60%
54,00 €
40% Léa
36,00 €
More optionsToday
03
See every expense in detail
A list you can filter by month and by person
9:41
Expenses
May 2026
First month tracked
5 711,00 €
AllMeLéa
This week
Travel
today · Léa
2 000,00 €
Dining
today · Sam
98,00 €
Personal care
today · Sam
250,00 €
Groceries
yesterday · Sam
58,00 €
Bakery
2d ago · Léa
12,00 €
Earlier this month
Drinks at Bouillon
May 8 · Léa
47,00 €
UGC Cinema
May 7 · Léa
28,00 €
Total fuel
May 6 · Sam
65,40 €
Zara
May 5 · Sam
45,00 €
May rent
May 1 · Sam
1 200,00 €
Home
Expenses
Stats
Profile
04
Settle the balance in one tap
PayPal, Revolut or Lydia — and it's done
9:41
Settle the balance
8 expenses pending
You you owe Léa
1 210,58 €
Shared expenses4 236,00 €
You2 446,58 € 58%
Léa1 789,42 € 42%
How to pay?
PayPal
paypal.me/Lea · Free between friends
Revolut
revolut.me/Lea · Free between Revolut users
Lydia
lydia.me/Lea · Free between Lydia users
or
I paid another way
Cash, bank transfer, or another channel
Features
Everything you need, for free
Tracking, splitting and settling shared expenses are free, unlimited and forever.
Unlimited expense tracking
Amount, category, who paid, note. Logging takes 10 seconds and Pyzo does the rest.
Three split modes
50/50, by income, or a custom percentage set by the couple — adjustable expense by expense.
Real-time sync
An expense added by one of you appears instantly on the other's phone.
Balance & settling up
The balance updates continuously. Settle via PayPal, Revolut or Lydia, then the recipient confirms receipt.
Passwordless sign-in
8-digit email code, Google or Apple. Coming back to the app is secured by Face ID or Touch ID.
9 customizable categories
Groceries, Housing, Dining, Transport, Leisure… renamable, recolorable and re-iconable by the couple.
Dashboard & statistics
Couple balance, activity feed, 5-month trend, breakdown by category and the month's highlights.
CSV export
Export your expenses over any period, with or without settled balances.
Pyzo Premium
Go further, together
One subscription for the couple: one pays, both get Premium.
39,99 €/ year
That's about €3.33 a month, for two.
7-day free trial
Monthly budgets
A cap per category, progress gauges and automatic alerts at 80% and 100%.
Recurring expenses
Rent, subscriptions… weekly, monthly or yearly templates that create expenses automatically.
Unlimited categories
Custom categories: ~120 icons, 150 colors, default split mode.
Weekly recap & yearly wrap
Your week's summary and the "Yearly Wrapped" of your year together, as a schedulable notification.
Advanced statistics
End-of-month forecasts, average split, income ratio and smart alerts.
Smart alerts
Pyzo warns you when a spending trend drifts by more than 20%.
Who it's for
Pyzo is right for you if...
We'd rather be clear from the start: Pyzo isn't for everyone, and that's a good thing.
✅ It's for you
- You each have your own bank account
- You split costs 50/50, or by income
- You want neither a joint account, nor a spreadsheet, nor tension
- You're in a civil partnership, married, or a stable cohabiting couple
❌ Not really
- Groups of friends going on a trip (use Tricount)
- Couples who share everything (your bank is enough)
Private beta June 2026
We're launching the private beta in June 2026.
Sign up and we'll let you know the moment it opens.
Join the waitlist
No spam, no ads. Just one email when it opens.