Build better money habits, one day at a time.
Habitual is the one finance app that merges personal budgeting and group expense splitting — dual-currency native, offline-first, and gamified so it actually sticks.
Personal finance, without the compromises.
Budgets, debts, recurring bills, and now group expenses — one coherent app instead of three overlapping ones.
Dual-currency accounts
USD and LBP live side by side natively — every account, budget, and report understands both, no manual conversions.
Smart budgets & recurring bills
Category or overall budgets with color-coded progress, plus recurring rules that auto-post themselves so nothing's forgotten.
Debts & IOUs
Track what you've lent or borrowed one-on-one, with due dates and one-tap "mark settled" — separate from group splitting.
Group expense splitting
Splitwise-style groups with equal, percentage, shares, or exact splits, live balances that always net to zero, and a public settle-up link for friends who don't have the app.
Streaks, XP & achievements
A daily check-in streak with freezes and milestones, plus a full achievements & XP system — habit-forming by design.
Bank-grade security
Everything on your device is encrypted, sign-in is protected through trusted providers like Google and Apple, and your data is never sold or shared.
Custom categories & reports
Shape your own categories and see where money really goes with clean, readable charts — no clutter, no noise.
Family sharing
One Family subscription covers up to 5 people, so budgeting stays a household habit, not a solo chore.
Built to fix what those apps get wrong.
No daily expense caps
The free tier limits group count, not usage — unlimited expenses inside your one free group, unlike apps that cap you at a few entries a day.
One app, one mental model
Personal budgets and group expenses share the same accounts and categories instead of living in two disconnected apps you have to reconcile yourself.
Balances that always add up
Every group balance updates instantly and always nets out correctly — no confusing mismatches, ever.
Free to start. Upgrade when you're ready.
All prices in USD, billed through the App Store or Google Play.
- 3 accounts
- 5 budgets
- 3 active debts/IOUs
- 1 group, unlimited expenses in it
- 3 custom categories
- Unlimited accounts, budgets, debts
- Unlimited groups & advanced splits
- No ads
- Unlimited custom categories
- Unlimited monthly exports
- Everything in Premium
- Up to 5 family members
- Shared budgets & categories
- Everything in Premium
- No recurring payment, ever
Take your money habits with you.
Habitual is built for iOS and Android — download it and start your first streak today.