Features
Everything Pyzo does for your relationship
Pyzo is the budgeting app for couples who keep their accounts separate. Tracking, splitting and settling expenses are free; Premium adds the advanced steering tools.
Getting started
Sign-up & creating your couple
A few screens are all it takes to create your couple account and invite your partner.
Passwordless sign-in
Single-use 8-digit email code, or sign in with Google and Apple. Nothing to remember, nothing to lose.
Create and invite
You create the couple — name, relationship type, anniversary date — and invite your partner by email. A waiting screen lets you resend or fix the invitation.
Guided onboarding
The invitee chooses the split mode with a live visual preview, enters their income if needed, and a guided tour introduces the dashboard on first launch.
Biometric unlock
Face ID or Touch ID every time you come back to the app. Verification stays on your device — Pyzo never accesses your biometric data.
Day to day · Free
Track, split, settle
The heart of Pyzo is free and unlimited: log expenses, know who owes what, and settle up.
Log in 10 seconds
Amount, category, date, who paid, note. You can even log an expense paid by your partner.
Edit and organize
Edit, swipe to delete, day-by-day view and month-by-month navigation.
Three split modes
50/50, by income, or a custom percentage. Set at the couple level and adjustable expense by expense.
Real-time impact
Each expense shows its effect on the balance ("+€12 owed to you", "−€8 you owe") and the ratio applied.
Real-time balance
The dashboard continuously shows "You owe €X", "You're owed €X" or "You're even", over a rolling 3-month window.
Settling up
Record a payment via PayPal, Revolut or Lydia (direct link to the app), in person, or nudge your partner.
Receipt confirmation
The recipient confirms they received the payment: the relevant expenses become "settled" and the balance resets to zero. An animation celebrates each settlement.
Search & filters
Expenses tab with filters by person and category, search, a heatmap calendar and daily subtotals.
Understand · Free
Categories, dashboard & statistics
A clear view of where your money goes, with no spreadsheet and no effort.
9 customizable categories
Groceries, Housing, Dining, Transport, Leisure, Health, Personal care, Travel, Home improvement — each renamable, recolorable and re-iconable.
Dashboard
Couple balance, feed of recent expenses and settlements, 5-month trend chart and breakdown by category.
Essential statistics
Spent this month, donut by category, who pays what, 6-month bars, yearly total and the month's highlights.
CSV export
Export your expenses over any period (month, 3/6/12 months or everything), with or without settled balances.
Pyzo Premium
Go further, together
Premium unlocks the advanced steering tools. One subscription covers both members of the couple.
Monthly budgets
A cap per category, progress gauges, a daily pace and automatic alerts at 80% and 100%.
Recurring expenses
Rent, subscriptions… weekly, monthly or yearly templates that create expenses automatically, with pause and resume.
Custom categories
Unlimited categories: ~120 icons, 150 colors and a default split mode for each category.
Weekly recap
Weekly total, delta vs the previous week, day by day and trend by category. Schedulable notification.
Yearly wrap
The "Yearly Wrapped" of your year together: total, category podium, month by month, big moments and streaks.
Advanced statistics
End-of-month forecasts, average split, income ratio, budget and recurring overview, smart alerts.
Stay in control
Notifications, profile & couple management
Pyzo keeps you informed without overwhelming you, and keeps you in control of your data.
Useful notifications
Expense added by your partner, pending settlement, nudge, budget thresholds, recaps… with a unified couple activity screen.
Profile & couple management
Profile photo, income, payment handles, relationship type, default split, amount rounding and notification settings.
App lock
Lock with biometrics or a passcode, with a configurable delay (immediate, 1, 5 or 15 minutes).
5 accent colors
Forest, Ocean, Lavender, Coral or Rose — the app adapts to your taste.
Account deletion
For a couple, deletion relies on a double confirmation: one requests, the other accepts, then all data and both accounts are erased.
Made in France · Encrypted
Data hosted in the European Union, TLS and at-rest encryption, no banking data collected.
Pyzo Premium
€39.99 / year, for two
That's about €3.33 a month. One subscription covers both members of the couple, with a 7-day free trial. Budgets, recurring expenses, custom categories, recaps and advanced statistics included.