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Honeyfi review

Finally, a budgeting app for couples with shared finances.

Honeyfi is a savings and budgeting app that caters to couples. It offers a centralized platform for you and your partner to track your spending, view upcoming bills and hit your savings goals together.

But it’ll cost you to use it. Expect to pay $60 a year, which is equivalent to $5 a month.

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$60 per year





Minimum deposit to open


Fee$60 per year
Minimum deposit to open$0
Intro or bonus offera free trial for 30 days
ATMsNo access to ATMs
ATM transaction fee$0
Out-of-network ATM fee$0
Foreign transaction fee0%
Overdraft fee$0
Nonsufficient funds fee$0
New account fee$0

Review by

Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.

Expert review

Honeyfi is best for couples who want to start budgeting and managing their finances together. Adjust your budgets and even make specific transactions private, to prevent your partner from seeing any surprise purchases you’re making for their birthday, anniversary, or other occasions.

Through its savings goals program, you’ll also earn 0.5% APY. But the interest will only get paid out to you every three months. If savings is what you’re after, you’ll want to consider opening a seperate savings account.

Also, before signing up, make sure your bank or credit union is available through Paid as some smaller financial institutions can’t be linked to your Honeyfi account.

How much does Honeyfi cost?

Honeyfi has a free trial for 30 days and then costs $60 per year — equivalent to $5 per month — for both you and your partner. There’s no fee to use its Goals program and you won’t pay a fee for withdrawing your money.

How to sign up with Honeyfi:

Get started in five steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the provider website, select Get started.
  3. Add your contact information, including your name, email address, cell phone number and password.
  4. Link your bank accounts by providing the login information to your financial institution.
  5. Honey downloads your transactions and recommends a household budget based on your current spending habits.
  6. Review your budget and customize it for your situation.

If you want to set a savings goal, you’ll need to link a checking account. You can fund your Goals account with one-time deposits or set up automatic transfers.

What are the pros and cons of Honeyfi?

Here are a few Honeyfi advantages and limitations.


  • Can automate savings. Automatically transfer money out of your spending account, make saving a habit and increase your chances of reaching your savings goals.
  • Collaborate with your partner. Unlike other budgeting apps like Mint, Honeyfi is designed for couples to team up and manage their finances together.
  • Customizable. Honeyfi lets you tweak your budgets and can even make specific transactions or accounts private to prevent what your partner can see.


  • Subscription. Honeyfi isn’t free to use. You’ll pay $60 a year for both you and your partner.
  • Couples-only. This budget app is not designed for single users. It also requires a certain level of trust between you and your partner to share financial information.
  • Low interest rate. Although Honeyfi‘s Goals program earns interest, you’ll only get 0.5% APY that gets paid to you every three months. You can earn more with a high-yield savings account.
  • Doesn’t link to smaller banks. Honeyfi lets you link your accounts from over 10,000 financial institutions across the US. But there are a few complaints about Honeyfi’s inability to link to smaller banks and credit unions that aren’t available to Plaid.

Is Honeyfi safe to use?

Yes. Honeyfi uses Plaid, a financial services company, to securely connect your bank to the app. Plus, it’s savings goals program helps users save by storing their funds in an FDIC-insured bank account.

Compare Honeyfi to other budgeting apps

Compare Honeyfi with other savings apps by monthly fee and platform.

Name Product Fee Service fee Platforms
Tiller Money
Use Tiller Money to automate your budgeting spreadsheets and pay off debt.
$6.99 monthly if you sign up for an annual plan, $8.99 monthly for a 6-month plan
Secure a Brighter financial future
Digit savings is a microsavings app that helps you avoid overdrafts and passively set aside cash for short-term goals.
Trim analyzes spending and offers personalized advice to help you reach your goals.

Compare up to 4 providers

Frequently asked questions

What happens if I have an automated transfer to my Goals account, but I don’t have enough in my checking account?Honeyfi makes sure that you have enough funds to cover the transfer and at least $150 remaining before initiating a transfer to your Goals account.

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