There's two of us.
We get paid different amounts on different days. We share bills. Who's paying for what and when?
A FRAMEWORK FOR COUPLES WHO SHARE BILLS
Stop Worrying About How Much is Safe to Spend
Cobalance calculates the exact per-paycheck deposits needed to guarantee a shared bills account always stays above $0 — the rest is yours.
THE PROBLEM
How much can I safely spend after bills?
The question we all need an answer to each paycheck.
Should we combine our money or keep things separate?
If combined, we gain simplicity but at the cost of our independence. If separate, we have to track who owes who.
Are we sure there's enough to cover the bills?
We could keep a large buffer in the joint account for peace of mind, but that would tie up cash. We could put everything on the credit card, but our landlord charges a processing fee.
THE SOLUTION
Transform shared bills into fixed per-paycheck deposits.
Cobalance models your bills account for the next 12 months and tells each partner exactly how much to send from every paycheck so the balance never drops below $0.
How Cobalance works
1
Bring a Dedicated Bills Account
You must bring a checking account designated exclusively for recurring bills. More on this in the next section.
2
Add all pay schedules and recurring bills to the model
Your shared bills, their due dates, and how often each partner gets paid.
3
Cobalance calculates each partner's share per paycheck
Cobalance totals your shared bills, assigns each partner's share, then divides that share across their paychecks.
Contribution per paycheck = partner's share of yearly bills ÷ number of paychecks per year.
4
You get a fixed contribution and "safe to spend" number
With the model in place, Cobalance will deterministically forecast your bills account for the next 12 months and show, for each paycheck, how much goes to bills and how much is truly safe to spend.
5
When Life Changes, Resync in Seconds
If income or bills change, update a few fields and Cobalance instantly re-anchors the forecast — no transaction chasing or manual reconciliation.
THE BILLS ACCOUNT
How to Run a Bills Account That Practically Runs Itself
A few simple rules turn your per-paycheck number into a zero-stress system.
Send the Right Amount Automatically
Cobalance gives each person a per-paycheck deposit for the bills account. Have your employer direct-deposit that amount into the bills account every paycheck. The rest goes to your personal account. You never have to manually move money for bills.
Put Every Bill on Autopay
Use the bills account only for recurring bills—rent, utilities, subscriptions. Set every one to autopay. If the per-paycheck amount is right, you don't need to think about due dates or minimums. Bills just get paid.
Keep Swipe-Stuff Out of the Bills Account
Don't use a debit card on the bills account. For shared swipe-based spending like groceries, open a separate checking account. Once a week, transfer a fixed amount from bills to groceries. This keeps the bills account clean and predictable.
Why this works
Cobalance works best when deposits and withdrawals in the bills account are predictable. That's not a limitation—it's the whole point. It models the bill-handling pattern couples already try to approximate, but with math instead of mental load.
Because activity is deterministic, Cobalance can:
- Forecast the balance with confidence
- Show exactly how much is safe to spend from each paycheck
When something does change—a new bill, a canceled bill, or an off-cycle expense—Cobalance makes it trivial to confirm which recurring bills have been paid, grab the current balance, and re-anchor the forecast so you instantly see: Are the bills still covered? What's still truly yours to spend?
LAUNCHING SOON
Join the Waitlist
Be among the first to try Cobalance.
Get exclusive early access when we launch.
🚀 Launching in Early 2026
OUR PHILOSOPHY
Cobalance stays focused on reality
This is a tool that solves a real problem. No trivia. No moralizing.
60% of America lives paycheck to paycheck
Most apps were built for optimization, not survival. When money goes right back out the door, you don't need spending categories, net worth charts, or AI insights. You need an answer to the only question that matters: "Are the bills covered, and what's safe to spend?" Everything else is trivia.
Most budgeting apps demand work before they give value
People don't have the time or inclination to manually feed an app their entire transaction history before it becomes useful. With most tools, the value only appears after you categorize, tag, reconcile, and maintain everything perfectly. Cobalance flips that: from a handful of recurring bills and a pay schedule, it gives you 10× the actionable clarity.
Planning the future beats ignoring it
Most budgeting apps track the past so you can adjust future behavior. Cobalance forecasts the future to inform the present. If your paychecks and bills are predictable, a 12-month rolling forecast of the bills account balance can verify it stays above $0 every day this month. Analyzing past spending patterns can't tell you if there's enough money in the account tomorrow.
You Can Split Bills Fairly Without Merging Your Lives
We don't ask you to abandon personal sovereignty because the problem is too hard.
Sharing bills can be a logistical nightmare. So common advice given to couples is to simply join all their money. But once bills are paid, does Bob really need to worry about how much Sue spends on blind boxes? Or if Bob thinks Sue would look nice with a new pair of earrings, do either of them want the bank statement to betray the surprise?
Don't let anyone tell you these moments need to be laid at the altar of sound financial management.
Financial autonomy isn't about keeping secrets—it's about maintaining privacy and preserving otherness. This serves couples. It doesn't defeat them.
With Joint Accounts
Every transaction visible. Every purchase questioned. Every surprise ruined. Every spending pattern judged.
With Cobalance
Bills paid fairly. Privacy maintained. Surprises preserved. Spending guilt eliminated. Accountability for shared expenses, autonomy for everything else.
Cobalance solves the ledger problem without requiring you to merge your financial identities.
LAUNCHING SOON
Be Among the First to Try Cobalance
Join our waitlist and get exclusive early access when we launch. We're building something special for couples who want certainty and confidence with their shared bills.
Join the WaitlistWhat Early Access Members Get:
🚀 First in line
Be notified immediately when we launch
💰 Special pricing
Lock in lifetime early adopter rates
🎯 Shape the product
Your feedback directly influences features
⚡ Priority support
Direct line to our founding team