For couples & singles
Money talks, made easy
Build trust with simple check-ins, shared goals, and a clear picture of your spending, without shame or spreadsheets.
Financial stress doesn’t have to divide you.
We turn awkward money talks into moments of connection, helping couples and singles build financial trust, reduce stress, and strengthen their partnerships.
What is Merger
So, what is Merger?
Most money apps are built for spreadsheets and solo budgeting. Merger is built for two people who share a life (and the bills that come with it). One short check-in each week, goals you actually share, and a single score that tells you how you’re doing. No finance degree required.
Talk it out
A few minutes each week to get on the same page. No blowups, no blame.
Stay independent
See the whole household picture together while your own accounts stay yours. No joint account needed.
Know where you stand
One simple Financial Health Score, so you always know how you’re doing without digging through spreadsheets.
How it works
It only takes about 15 minutes a week
No spreadsheets, no shame. Just a short weekly rhythm you’ll actually keep up with.
- Step 1
Weekly Money Dates
A 15-minute guided check-in that keeps you aligned. Celebrate wins, review your budget drift, and pick one tweak for the week ahead, together.
- Step 2
Choose One Weekly Action
Pick a single action (adjust a category or contribute to a goal). Small, consistent changes add up without the overwhelm.
- Step 3
Sync & Celebrate
Share a quick recap and keep your streak going. Track your Financial Health Score and watch it climb as you build better habits, together.
Features
What you can do with Merger
Honest, private, and genuinely easy to use. Here’s what’s inside.
Shared Goals, Separate Accounts
Merge without merging. See household spending together while keeping your individual accounts private. No joint account required. Just transparency and teamwork.
10-Minute Money Dates
Turn financial stress into connection with guided weekly rituals. Celebrate wins first, review Budget Drift, set one action. Build the habit that prevents money fights before they start.
One Number That Says It All
Track your financial wellness with a single score that considers budgets, goals, and habits. See progress at a glance. No spreadsheets, no shame, just clarity.
Secure, Private, In Your Hands
256-bit encryption. Read-only access. You control what you share. Plus: Fraud alerts, identity verification, and data that never gets sold.
Financial Guidance, Whenever You Need It
Coming soonGet instant answers to money questions, from “Can we afford this vacation?” to “How can we save more?” Chat with Merger uses your real financial data to give personalized insights and guidance, without judgment. It’s like having a financial advisor in your pocket, available 24/7.
Who it's for
Made for two. Works great for one.
Whether you're figuring money out together or on your own, Merger fits.
Couples
Dating, engaged, or married: get on the same page about money without merging your accounts. Trade money fights for a quick weekly check-in.
Singles
Build solid money habits and real confidence on your own terms, and be ready for whatever (and whoever) comes next.
Don't just take our word for it
Real people, fewer money fights
Couples and singles across the country use Merger to talk about money with a lot less stress.
As a product manager at Microsoft, I'm always looking for clarity and balance. Merger helps me organize my finances, stay confident about my goals, and build the kind of healthy money habits I'll carry into my future relationship.
What we stand for
Why we built Merger
Talking about money is hard. We think the tools should make it easier, not scarier. A few things we believe:
Money should pull you together
Most apps treat money like a math problem. We treat it like a relationship. The win isn't a flawless budget. It's fewer fights and a lot more trust.
Small steps beat big overhauls
No guilt trips. No 50-tab spreadsheets. Just one honest conversation a week and one small move at a time. That's how habits actually stick.
No shame, ever
Wherever you're starting from, you're welcome here. We show you the full picture without the lecture.
Your money is your business
See the household picture together while your accounts stay yours. Read-only, bank-level security, and we never sell your data.
Rewards
Showing up has its rewards
Earn perks for keeping your weekly check-in streak alive. Real rewards. Real moments. Just for showing up together.
- 3 months
Welcome Kit
A branded tote, journal, and pen to celebrate a real habit.
- 6 months
Consistency Cash
Half a year of showing up earns real money back.
- 1 year
Year-End Bonus
One full year of check-ins, rewarded.
- 3 years
The Big Shot
An entry into our annual giveaway.
- 5 years
Dream Getaway
An entry into the all-expenses-paid vacation draw.
…and more milestones along the way.
Ambassador program
Get paid to grow something real
Love using Merger? Tell people about it. Our ambassador program pays you real cash for everyone you bring on board. Sign up, switch it on from your account settings, and start earning while you help friends build better money habits.
Sign up to get started
Security & privacy
Your data stays yours
Read-only access, end-to-end encryption, and you decide what’s shared. We never sell your data. Full stop.
Plaid integration
Trusted by millions to link accounts securely
SOC 2 compliant
Industry-standard data security
256-bit encryption
Your data is protected end-to-end
Privacy controls
Choose what you share with your partner
Pricing
Simple pricing, no surprises
Try everything free for 14 days. Then pick monthly, or save with annual. Same Merger either way.
Monthly
$18.99/month
14-day free trial
- Weekly guided money dates
- Shared goals, separate accounts
- Financial Health Score
- Bank-level security & privacy
- Streak rewards for showing up
Annual
Save 20%$182.99/year
14-day free trial
- Weekly guided money dates
- Shared goals, separate accounts
- Financial Health Score
- Bank-level security & privacy
- Streak rewards for showing up
Special discounts for service members and Merger ambassadors.
Ready to stop stressing and start aligning?
Join hundreds of couples (and singles) building healthier financial foundations, one check-in at a time.
Start Your 14-Day Free Trial