Tandem imports expenses from your cards and allows you to seamlessly track, automate and share expenses with your partner. We were sick of sending constant Venmo requests every week to our significant others, so we built something better. Available on iOS.

Hey Product Hunt! I’m Michelle, Co-Founder of Tandem. My team and I are so excited to share Tandem with you today and get your feedback. 🙂 70% of couples in the U.S. move in together before getting married. Expense sharing is their first financial experience together, but there’s no seamless, modern solution to make this easier. The status quo ranges from clunky and annoying (Venmo + a spreadsheet) to too serious (a joint account). Right now millions of couples are combining their lives in dozens of ways, but living financially separate. Our entire founding team has experienced this pain point first-hand. We know the available options are not what the modern couple wants -- so we built Tandem. Tandem is an iOS app that eliminates the back-and-forth of Venmo, without the need to get a joint bank account or card. Couples can import expenses from their current credit or debit cards, easily select which items to split with their partner, and settle up at any time. ✋It allows you to maintain privacy because your partner cannot see your individual transactions, only the transactions you choose to split with them. ➗You can divvy up expenses however works best for your relationship -- you’re not confined to doing it 50/50. 🔁You can opt to automatically split repeat expenses with your partner. We're also one of the very first apps to offer instant transaction data, meaning the moment you swipe your card at the store, the charge will appear in Tandem ready to be split -- that means no more waiting 24-48 hours for Plaid to refresh your data. Some learnings so far: ✔️If you share > 6 expenses per month with a partner, Tandem is likely a perfect fit for you. ✔️The purpose of the app isn’t to penny pinch your partner for every little expense -- it’s to provide the peace of mind that all your shared finances are tracked in one spot. Many of our couples don’t settle up frequently because they trust everything is accounted for! ✔️Top 5 most split merchants are Amazon, Uber, Trader Joe’s (our users are obsessed with TJ’s, can’t blame them), Whole Foods, and Target. ✔️Since soft launching in the App Store in August, Tandem has helped couples split tens of millions of dollars of expenses. We have a special offer for the PH community for 3 months free of Tandem Premium with code: PRODUCTHUNT3. We hope you try it out and let us know what you think! Get started here: https://usetandem.app.link/ph I’ll leave you with one last question -- how do you currently handle money with your partner? We would love to hear your feedback, what’s worked, and what hasn’t. I’ll be around answering questions or feel free to email me directly at michelle@usetandem.com! - Michelle Links: -------- App Store: https://usetandem.app.link/ph (offer code: PRODUCTHUNT3) Website: https://www.usetandem.com/ TikTok: https://www.tiktok.com/@use_tandem Instagram: https://www.instagram.com/use_ta... Our content TikTok: https://www.tiktok.com/@missmone... Our content Instagram: https://www.instagram.com/missmo...

@michelledearxox congrats on your launch 🚀 Would definitely try it out with my partner

Love that you are one of the first apps with instant transaction data, what have been some of the biggest surprises you’ve run into since launching?

@jefielding Thanks Jenny! One of the more surprising aspects is the large population of users that choose not to settle frequently. Tandem is mainly a tool to ensure things are equitable and many users opt to let the ledger run until they go on a trip or make a major purchase to actually pay each other.

@jefielding thanks for the feedback, Jenny! @dan_couvreur point is great. Another surprise has been users have found a lot of subscriptions they had both been paying for (like Amazon, HBO, etc.), so it has saved them some money!

Sign me up! 💸 Love that you're not constrained to splitting bills 50/50 and can choose what works for you.

@charlottemara27 yes!!!👏 intentionally customizable for every relationship. excited for you to try it out!

@charlottemara27 Flexibility is the key! Different splits for every relationship!

Great app for my fiancee and I to share expenses while also allowing us the freedom to have our own separate bank accounts

One of the best new app experiences out there. Purely useful, solves a problem, makes our financial lives easier. UX is straightforward and clean. I am excited to see how Tandem grows!

Solves a real need. No doubts about security. Simple.

Great app for my fiancee and I to share expenses while also allowing us the freedom to have our own separate bank accounts

One of the best new app experiences out there. Purely useful, solves a problem, makes our financial lives easier. UX is straightforward and clean. I am excited to see how Tandem grows!

Solves a real need. No doubts about security. Simple.

Tandem - Expense Sharing

Say goodbye to endless Venmo requests and money fights

Say goodbye to endless Venmo requests and money fights

Tandem - Expense Sharing

Say goodbye to endless Venmo requests and money fights

Say goodbye to endless Venmo requests and money fights

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