For couples & households

Know where the money went. Both of you.

Kilter Money keeps household spending in one shared, calm place, so nobody has to be the one who "handles it," and nobody has to ask.

The Sunday night fight, in three parts.

The mortgage is on autopay from one account. The car loan is on the other. Nobody agreed to that, it just happened that way three years ago.

One of you carries the whole picture in your head. The other asks "are we okay this month?" and has to take your word for it.

And there's a pile of receipts nobody wants to sort, because half of them are groceries, clothes, and a birthday gift, all on one slip of paper.

Four questions, answered at a glance.

Open it together, get the answer, close it. That's the whole habit.

01
Where did the money go this month?
Spending broken out by category, not by account.
02
How much is already spoken for?
The share of income tied up in fixed bills, before either of you spends a thing.
03
Are we on track, or should we worry?
A plain read on pace: how much is left, and how many days are left to spend it.
04
Better or worse than last month?
So a slow month isn't a mystery, and a good one doesn't go unnoticed.

The trick

Snap the receipt. Let it sort itself out.

One Target or Walmart run can span five categories on a single receipt: groceries, clothes, a birthday gift, household stuff. Splitting that by hand was never going to happen.

So you don't. Take a photo, hand it to the AI agent connected to your account, and it logs the whole thing, split correctly across categories, in one go.

Works with the AI you already use

ChatGPT Claude Gemini

Built for two, not just one.

One shared view of the money. No separate spreadsheets, no "wait, what did you spend on this?"

Invite your partner once you're in. No extra signup, no separate account to manage, just the same picture on both your phones.

The founder of Kilter Money on a walk with his family
"I'm a father of four, and I never knew with real confidence where our money was going. One Target or Walmart run could span five categories on a single receipt, and there was no honest way to split that by hand. So I built Kilter Money to let AI do that work. I take a photo of the receipt, and it logs and splits the expense for me. That's the whole trick. I finally know where our money goes."

Founder, Kilter Money

We'll let you know the moment it's ready.

No spam, no pricing pitch. Just an email when Kilter Money opens up.