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Go to Settings > Partner and tap "Link Partner." You'll receive an invite code that you can share with your partner. They enter the code in their Jointly app to link your accounts together.

The Alerts tab collects notifications about your shared activity — new splits (including recurring ones) from your partner, changes your partner makes to a shared split, splits your partner removes, pending charges that change amount or get cancelled, settlement updates, and review requests. If your partner asks for more detail on a split, you'll see it here: open the split, read their note, and tap "Mark as Reviewed" once you've looked it over.

When a transaction appears in your feed, swipe it to the right to split it with your partner. You can adjust the split percentage before confirming. The split will appear in your Splits tab where both you and your partner can see it.

Tap "Settle Up" in the Splits tab to pay your partner (or request payment). If your preferred app is Venmo, Jointly opens Venmo with the amount pre-filled and marks your splits settled right away. For PayPal or Cash App, Jointly opens the app pre-filled and asks you to confirm the payment when you return. You can also pick Cash or Other to mark splits settled without opening an app.

Yes. Choose Apple Cash as your payment method in Settings > Edit Profile > Default Payment Method. Apple doesn't let other apps open Apple Wallet or Apple Cash directly, so when you settle up Jointly shows a quick guide and hands off to Messages with the amount and the split details already typed into the message: 1. In Messages, tap the + (plus) icon, then tap Apple Cash. 2. Enter the amount shown in the message, then tap Send. 3. Send the message too, so you both keep a record of what it covered. When you return to Jointly, it asks you to confirm and marks the splits settled.

Yes, two ways. To reverse an entire Settle Up, the person who settled has 24 hours — open it in Settlement History and tap "Undo Entire Settlement," which returns every transaction in that settlement to your outstanding balance. To undo just one transaction, open that settled transaction and tap "Mark This Split Unsettled" — either partner can do this for up to 30 days, and only that one transaction goes back into your balance while the rest of the settlement stays put. Either way, your next Settle Up automatically accounts for the correction.

Yes — the person who created the split can swipe left on it in the Splits tab and tap "Undo Split." This removes the split and restores the original transaction to your Transactions feed so you can re-split it if needed. If it's a transaction you added by hand and you want it gone entirely rather than back in your feed, you can delete it instead — see "Can I delete a transaction I added by mistake?"

You can set a default split percentage in Settings > Default Split. This is used when you create new splits. You can also adjust the percentage on each individual split, and set a default split for each category in Settings > Categories. Category defaults apply to future expenses only; splits you've already made keep their percentage.

Repeating splits let you automatically split transactions from specific merchants. For example, if you always split Netflix 50/50, set up a repeating rule and future Netflix charges will be split automatically. Manage repeating splits in Settings > Repeating Splits.

When your bank posts a refund, Jointly automatically links it back to the original charge and shows a credit labeled "Refund." If the full amount is returned, the original split is marked "Refunded" and comes out of your outstanding balance, so your next Settle Up reflects the money coming back. A refund has to come from the same merchant to be linked. Card statement credits are not treated as refunds, so an Amex dining or Resy credit that happens to match a restaurant charge appears as its own credit and leaves your split alone, because that money came from your card issuer rather than the restaurant.

If a purchase is refunded in full and you hadn't split it yet — it was still sitting in Transactions, or you had already marked it Personal — Jointly moves both the charge and the refund to Personal for you. The two cancel out, so there's nothing to share, and neither keeps asking to be dealt with. You'll find both in Personal Transactions, and you can restore either one at any time; if you restore a row yourself, Jointly won't hide it again. If you had already split the purchase, the split itself is left alone — that's a decision the two of you made together — and instead the refund is split back the same way, using the exact same shares as the original. It appears as a credit in your Splits and reduces what's owed between you. That applies to settled purchases too: if you'd already squared up on something that later came back, the credit shows up so the money can find its way to the right person.

Yes. Open any split and scroll to Edit History: every change either of you made to its amount or percentage, its note, or its receipts is listed there with who made it, when, and what it was before and after. The history can't be edited or deleted, and it stays after the split is settled or removed. You'll also get an alert (and, if you want, a push notification — Settings › Notifications › Split Edited) when your partner makes a change.

Pending charges show a Pending badge, and Jointly keeps them up to date until they post — whether they're in your Transactions, in Personal, or split. If the final amount is different (a tip, a hotel hold, a currency conversion), the charge shows an Adjusted badge. On a split that isn't settled yet, the total and both shares update automatically at the same percentage. If you've already settled it, what you paid is never changed: instead, the difference is added to your next settle-up as an Adjustment, and you both get an alert. You can settle charges that are still pending.

Sometimes a bank drops a pending charge without it ever posting — a released hotel hold or a voided pre-authorization. Jointly checks any charge that's been pending for 10 days or more with your bank each day (you'll see "Still pending after N days" on it). If the bank cancelled it, it's removed: from your Transactions or Personal list, and from Splits if it was split, and you both get an alert. If you had already settled it, the full amount is credited back in your next settle-up.

Pending transactions are marked with a "Pending" badge. When your bank settles the transaction, the final amount may differ from the pending amount. If the amount changes, the transaction will be flagged so you can review it.

Tap the + button in the Transactions tab to add cash transactions or anything that didn't come through a connected account. Enter the amount, name, date, and category, then set the split — Jointly creates it as a split with your partner right away, so it appears in your Splits tab immediately.

Yes, if you added it yourself and it hasn't been settled. Open it and tap "Delete Expense" at the bottom — you'll find it wherever the transaction currently lives: the Splits tab if it's still split with your partner, the Transactions tab if you've undone the split, or your Personal list if you've hidden it. This permanently removes it for both you and your partner and updates your balance — it can't be undone, and it won't appear in your Personal list afterward. Transactions that came from a connected bank or Apple Wallet can't be deleted, since they're a record of a charge that really happened; mark those Personal instead to keep them out of your shared splits. Deleting one charge from a recurring transaction doesn't cancel the schedule — future charges still get added, so turn the schedule off in Settings › Repeating Splits if you're done with it.

If a transaction is only yours, swipe left on it and choose Personal to keep it out of your shared splits. Personal transactions stay private to you and aren't shared with your partner, but they still count toward your own totals in Insights. You can find them later in the Personal section of the Transactions tab.

Auto-hide automatically classifies certain transactions as Personal — they're moved to your Personal feed and kept out of the shared ledger with your partner, so you don't have to dismiss them one by one. You can auto-hide a whole category (Settings › Auto-Hide Rules › Add Category Rule — this also moves that category's transactions already in your feed) or a specific merchant from a transaction (tap "Always Mark as Personal"). A merchant rule you create from a transaction applies to that transaction's date forward — earlier transactions stay put — and tapping "Stop Marking" on a transaction moves that transaction and later ones back to Transactions. Deleting a rule in Settings › Auto-Hide Rules covers everything that rule ever hid: we'll tell you how many transactions it's holding and let you choose. Restore moves them all back to your Transactions feed, where you can split them with your partner; Keep in Personal leaves them where they are. Either way the rule stops hiding anything new, and anything left in Personal can still be moved back to Transactions one at a time. If you change a rule-hidden transaction's category to one you don't auto-hide, it stays in your Personal feed and simply stops being labelled Category Rule — changing a category isn't a request to move it back into the shared ledger. By default, the only thing auto-hidden for you is transfers between your own accounts, since moving your own money isn't a shared transaction — everything else is yours to choose. Manage rules in Settings › Auto-Hide Rules.

Yes. Open any transaction or split and add a note for context — like what a transaction was for or how you'd like to handle it. Notes are searchable, and on a shared split both you and your partner can see the note.

Yes. Open a transaction or split and tap Add Receipt to attach a photo from your library or a PDF from Files. Receipts stay attached when you split a transaction, and your partner can view receipts on any split you share. If a receipt is removed from a split, it stays visible to both of you in that split's Edit History. Each transaction or split holds up to 3 receipts, and a PDF can be up to 10 MB. Each person can store up to 300 receipts (750 MB) in total. Once you reach that, new receipts won't be saved.

If a bank account becomes disconnected, you'll see an "Action Needed" banner at the top of your Transactions tab and an Action Needed badge in Settings. Tap the banner to reconnect — if only one account needs attention it opens that bank's sign-in directly (or the Apple Wallet permission prompt); if several do, it opens Connected Accounts so you can pick which to fix. You can dismiss the banner with the X — it comes back if a different account needs attention, and the Settings badge stays until the connection is fixed.

Bilt sometimes doesn't hand every transaction to Plaid when it happens, so a charge can be missing for weeks and then appear later — usually when Jointly refreshes that connection's full history. This is on Bilt's side, not something Jointly can fix, and we've seen gaps of a month or more. Nothing is lost: the missing charges do arrive, and once they do you can split them normally. If you think something is missing, reconnecting Bilt in Settings › Connected Accounts pulls its history again and usually brings the stragglers in. It's worth knowing before you settle up, since a late charge can arrive after you've already squared a period — if that happens, split it as usual and your next settle up accounts for it. We haven't seen this with other banks.

To protect your privacy, Jointly automatically pauses your bank connections if you don't open the app for 45 days — we don't keep access to your financial data when the app isn't being used. We send you a warning notification around day 30 so you have time to come back first. When a connection is paused, your live bank link is removed, but all of your cached transactions, splits, and settlement history stay in the app. Just tap "Reconnect" on the banner (or Settings > Connected Accounts) to link your bank again and resume syncing. This applies to every connection, including Apple Wallet (Apple Card, Apple Cash, and Apple Savings) — for Apple Wallet there's no bank link to remove, so Jointly stops reading your Apple accounts until you reconnect. Separately, if you don't use Jointly at all for two years, your account and its data are deleted. We email you about 30 days before, and just opening the app keeps your account.

Yes. In Settings > Connected Accounts, tap Connect Apple Wallet to sync spending from Apple Card, Apple Cash, and Apple Savings directly through Apple — no separate bank login needed. Those transactions appear in your feed alongside your other accounts. Apple Wallet accounts count toward your connected-account limit the same way bank accounts do, so on the free plan Apple Card, Apple Cash, and Apple Savings each use one of your allowance. If you have more Apple accounts than your plan allows, Jointly syncs as many as fit — starting with Apple Card — and leaves the rest paused rather than stopping the sync altogether.

Jointly syncs spending from checking, savings, and credit card accounts. Investment and brokerage accounts (IRAs, brokerages, and robo-advisor portfolios like Wealthfront or Betterment) aren't supported — they won't be offered when you connect a bank, and they won't appear or sync.

Yes. In Settings > Connected Accounts, tap a bank, then tap any account to give it your own name. Typing the bank's original name back in removes your nickname. The same screen is where you remove an account you no longer want synced.

Yes. Jointly uses Plaid to securely connect to your bank. Your bank login credentials are handled entirely by Plaid and are never stored by or visible to Jointly. Plaid is used by thousands of financial apps and is SOC 2 Type II compliant.

Go to Settings > Edit Profile and tap Delete Account at the bottom. You'll be asked to type DELETE to confirm. There's a 7-day grace period: signing back in during that window cancels the deletion and nothing is lost. After 7 days your profile, transactions, splits, settlement history, receipts and bank connections are permanently and irreversibly deleted, and your bank access tokens are revoked immediately when you request deletion. Splits your partner created stay in their account, since those are their records too.

Your partnership ends and they're told the link was removed. They keep the splits they created and their own transaction history; your profile details are removed from their view. Any unsettled balance between you isn't cancelled by deleting your account — settle up with each other first if you owe anything.

Categories are initially assigned by your bank through Plaid, and Jointly applies a few rules of its own on top — for example treating a transfer between your own accounts as an internal transfer, and peer-to-peer cash as a bank fee. You can change the category for any transaction by tapping on it and selecting a new one, and a category you set by hand is remembered: future syncs won't overwrite it. You can also set per-merchant category overrides that apply to all future transactions from that merchant.

Income, Transfer In, and Transfer Out are hidden by default since they're typically not shared transactions, so they don't appear in your category list or the category picker.

Yes! In Settings > Categories, tap the pencil icon next to any active category to change its display name and emoji. Custom names appear everywhere in the app including Insights, Splits, and exports. (Custom categories require Premium.)

Insights counts every synced transaction: 100% of the ones you mark Personal or haven't split yet, plus your share of every transaction you split with your partner — each split counts at your own $/% portion, whether you or your partner created it. Income and Transfer In are tracked separately as their own Income total rather than counted as spending, and transfers between your own accounts are excluded entirely so they never double-count. Income is hidden by default — turn on Show Income in the filter menu to see it. Show Personal Expenses there covers your personal spending only, so the two settings work independently: hiding personal expenses never hides your income.

Jointly Premium unlocks the app's full power for you and your partner. One subscription covers your whole couple — if either of you subscribes, you both get every Premium feature automatically, so you never pay twice.

Premium raises the free limits and unlocks extras. The account limit is per person, not shared: you and your partner each get your own allowance, even though one subscription covers you both. It counts individual accounts, meaning each card, checking, or savings account, not banks, so 10 accounts could all sit at one bank or be spread across several, and connecting one bank can use up several at once. On the free plan each of you can connect 1 account, with up to 2 repeating splits (repeating expenses you add by hand count too) and 2 auto-hide rules and 1 month of history. Auto-hide categories and merchants share that one limit of 2. The rule that hides transfers between your own accounts is on by default and free, so it doesn't count. Premium lets each of you connect up to 10 accounts, create unlimited repeating splits and auto-hide rules, sync up to 12 months of history (some accounts may not sync that far back, depending on your bank's Plaid history limits), build custom categories with your own names and emojis, and export your splits as CSV or PDF. Free Insights cover the current month; Premium adds past months, year to date, full-year views, trends, and merchant drill-downs.

No. Premium is shared across your partnership — as soon as one of you subscribes, both partners get every Premium feature. You only ever need one subscription per couple.

Premium is $3.99 per month for your whole couple — less than two separate memberships. You can see current pricing and subscribe from the Jointly Premium screen in Settings.

Subscriptions are billed through your Apple ID. To change or cancel, open the iPhone Settings app, tap your name, then Subscriptions, and select Jointly. Premium stays active until the end of the current billing period.

Nothing is deleted. Every transaction, split, and settlement you already have stays in the app. What changes: the free plan syncs one account per person and runs 2 repeating splits and 2 auto-hide rules, so you'll choose which stay on and the rest are paused. A paused account is not disconnected and its history stays put, it just stops importing new transactions. A card you start syncing on the free plan brings in its last month. Subscribe again and everything resumes automatically, and Jointly backfills the transactions from while they were paused. A paused repeating expense picks up from its next date, without adding the ones it skipped.

Email legal@getjointly.co from the address on your account. We handle access, correction, deletion and portability requests, and will confirm your identity before acting on one.

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