Money shouldn't be a constraint.
Why Boney exists, and who it's for.
We were told we had to choose.
Either the merged joint account where everything blends. Or constant bank transfers with a calculator in hand.
Share household costs fairly.
Keep their secret garden for personal treats.
Not spend their Sundays doing accounting.
Have clarity without losing autonomy.
But traditional banking tools aren't built for this flexibility.
They are made to merge or divide. Not to collaborate.
Boney is the third way.
We built the missing tool. The one that respects your independence while simplifying your life together.
No mandatory joint account.
No intrusive bank sync.
No judgment on your spending.
Just a neutral tool that does the math for you.
The goal isn't to control everything, but to answer the real questions:
Are we settled up?
Is the split fair?
Who pays for the next groceries?
Are we on budget?
If the answer is clear, the mental load vanishes.
Start from real life, not spreadsheets.
Accountants start with income. We start with spending: the moment you pull out your card.
“That's where it happens. Is this for me? For us? For the vacation fund?”
Boney captures that moment. You log, you categorize, and the app handles the balance.
It's manual, it's conscious, and it changes everything.
Independence is not selfishness.
Loving someone doesn't mean merging bank accounts. Keeping financial autonomy is healthy, adult, and reassuring.
With Boney:
Your personal budgets stay private.
The shared budget is transparent.
You always know where you stand.
Money becomes a tool again, not a source of tension.
Simple. Fair. Sustainable.
You
Partner
Stability over perfection.
You won't track every cent for 10 years. And that's okay.
Boney is designed for real life, with its surprises and forgotten receipts. The point isn't to be perfect, it's to be clear.
Take back control at your own pace.
An independent app, for independent people.
“We are not a bank. We don't sell your data. Boney lives thanks to its Premium users.”
By choosing Boney, you choose a healthy model. You are the customer, not the product.
Thank you for trusting us.
🌿 In short
Manage the shared without sacrificing the personal.
No bank connection, no risk.
Clarity for your couple (or roommates).
Peace of mind for you.