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plan/ria.
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Shared money. Your own way.

Move in
together.
Make room
for life.

You've found your person. Now find your way with money. plan/ria helps you split rent and bills fairly, see what's shared, and keep personal spending private.

Get early access Find your fair split

For UK couples. Currently in development.

Two partners sharing pizza on the floor of their new home, surrounded by moving boxes. Our first place.
Illustrative product preview. Example figures.
Fair splits, agreed together Personal spending stays private No joint account required
A home together. Space for yourselves.

Yours. Mine. Ours.

Sharing an address doesn't mean sharing every purchase. plan/ria brings your shared bills into one place, with room for the things that stay yours.

YOUR SPACEPrivate ↗

Yours.

  • Morning coffee Just for you
  • That new jacket Just for you
  • A birthday surprise Definitely private

You choose what to share.

OUR HOMEShared ↗

Ours.

  • Rent £1,400
  • Energy £120
  • Broadband £30
  • The weekly shop £65

One view. A split you both agree on.

THEIR SPACEPrivate ↗

Mine.

  • A favourite hobby Just for them
  • Lunch with friends Just for them
  • Their own savings On their terms

They choose what to share, too.

Start with one shared bill. Share more when it feels right for both of you.

Fair doesn't always mean half.

Different incomes.
Same team.

When one of you earns more, splitting everything down the middle can feel very different on each side.

Choose an equal, income-based or custom split for each bill. Agree on what works for you two, then change it when life changes.

Try the free bill split calculator
Here's what income-based can look like
Your monthly income£3,000
Their monthly income£2,000

Monthly rent £1,400

£840You contribute 60%£560They contribute 40%

Both spend 28% of their income on rent. An example to discuss, not financial advice.

What your partner sees

Shared billsYour home, in one placeShared
Personal spendingYour day-to-day purchasesPrivate
Account balancesShare when you're readyYour choice

Illustrative privacy settings. Each partner controls their own sharing.

Closeness, with a little breathing room.

Share a life.
Keep your independence.

You don't need to merge every account to build something together. Keep your own bank accounts and choose what your partner can see.

plan/ria is being built to grow with your relationship. The shared rent today. More of your financial picture when you're both ready.

Your questions, answered
Small start. Shared future.

From “who paid?”
to “we've got this.”

Here's how we're building plan/ria to fit into your life.

  1. 1

    Bring your person.

    Set up your own profile, then invite your partner. You each have your own login and a say in what you share.

  2. 2

    Start with the rent.

    Add a shared bill and agree on the split. Give the next bill its own rule if that makes more sense.

  3. 3

    Find your rhythm.

    Keep track of shared costs and review your setup together. A pay rise, a new job, a new chapter. Your rules can change, too.

We're still building. Join the waitlist for launch updates. Our free calculator and money guides are ready to use today.

Before the first bill arrives.

A little less guessing.

Explore the guides
Moving in

Before you unpack, talk about these things.

Your moving-in checklist
Fair contributions

Different salaries. One shared life.

Find your fair split
Money conversations

Make the money chat a little easier.

Start the conversation
Good questions.

Let's clear
a few things up.

More about plan/ria
What is plan/ria?

plan/ria is a shared-money app being built for UK couples. It brings shared bills, flexible contribution rules and partner visibility settings together, so you can manage your home while keeping personal spending private.

Can we use plan/ria today?

The product is being built and is not publicly available yet. Join the waitlist for launch updates. You can use our free bill split calculator, money quiz and guides today without joining.

Do we need a joint bank account?

No. plan/ria is designed to work alongside your own accounts. Start with a shared bill and an agreed split. Open Banking connections are part of the product we are building, with availability depending on your relationship stage.

What if one of us earns more?

You can choose equal, income-based or custom contributions for each bill. An income-based split divides a cost in proportion to your incomes. Our free calculator lets you compare that with 50/50 before you decide together.

Will my partner see all my spending?

The product is designed so each partner controls their own visibility settings. Sharing a bill does not mean sharing every personal purchase or account balance. You can start small and decide together what to share over time.

Is plan/ria a bank?

No. plan/ria is a tool for organising shared finances. It is not a bank, does not replace your current account and does not provide regulated financial advice.

For the life you're making together.

More Sunday mornings.
Fewer money loose ends.

Make room for the good part of living together.

Get early access

Launch updates. No card. No commitment.

Want to start a money conversation?

See where you two stand.

Our free two-minute couple snapshot asks how you split bills and talk about money. Answer separately, invite your partner, then use it as a conversation starter.

Take the couple snapshot