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.

Two partners reviewing their shared finances together with Merger

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.

  1. 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.

  2. 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.

  3. 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.

  • Chat with Finn, Anytime

    Get instant answers to money questions, from “Can we afford this vacation?” to “How can we save more?” Chat with Finn uses your real financial data to give personalized insights and guidance, without judgment. It’s like having a financial guide in your pocket, available 24/7.

Meet Finn

Ask Finn anything about your money.

Personalized, AI-powered answers about your finances — without handing over your identity.

  • Answers from your real numbers

    Ask in plain English. Finn reads your actual budgets, goals, and spending — so the answer fits your life, not a generic template.

  • Private by design

    Your name and personal details are swapped for anonymous placeholders before anything reaches our AI provider.

  • Never used to train AI

    Anthropic doesn't train its models on your data. Your money stays yours.

Powered by Claude · built by Anthropic

Finn is an AI assistant — guidance, not professional financial advice.

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.

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:

  1. 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.

  2. 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.

  3. No shame, ever

    Wherever you're starting from, you're welcome here. We show you the full picture without the lecture.

  4. 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

Earn real money — starting with $25 — just for keeping your streak

Every weekly check-in builds your streak. Hit the milestones and we pay you back with cash, gifts, and more — no points, no catch.

  1. $25Consistency Cash6 months
  2. Free bookFinancial Foundations9 months
  3. $50Year-End Bonus1 year
  4. …and more
See all rewards

Available to paid and trial members. Giveaway tiers are random-draw entries.

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 7 days. Then pick monthly, or save with annual. Same Merger either way.

Monthly

$18.99/month

7-day free trial

  • Weekly guided money dates
  • Shared goals, separate accounts
  • Financial Health Score
  • Bank-level security & privacy
  • Streak rewards for showing up
Start free trial

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 7-Day Free Trial