Couples split
Split transactions into yours, ours, or theirs for a clearer picture of expenses and income in your budgeting calculations — without losing track of what you actually paid.
Features
Paper is built around four core tools — dashboard, accounts, budgets, and transactions — plus forecasting, subscriptions, events, and private AI insights. Every feature is included in your subscription.
Dashboard
Your home screen pulls snippets from across Paper — recent transactions, budgets, cash flow, recurring charges, events, and AI — so you can jump to any section with one tap.
- Cash flow, income, and expense charts at a glance
- Monthly budget progress without leaving the dashboard
- Recent transactions with quick links to the full list
- Recurring transactions and future cash flow outlook
- Events count and on-device AI entry point
- One-tap navigation to accounts, budgets, or transactions
Accounts
Link checking, savings, and credit cards through Plaid and see balances, institutions, and account types in one calm overview — without jumping between bank apps.
- Secure bank linking with Plaid
- Checking and savings grouped by institution
- Credit cards with current balances
- Available balance vs. credit balance at a glance
- Add or refresh accounts from one place
Budgets
Set monthly targets at the top level or drill into category budgets. Paper uses your spending history so goals feel grounded in what you actually spend.
- Monthly budget ring with on-track status
- Category budgets with progress bars
- Spending history to suggest realistic targets
- Month-by-month navigation and updates
- Average monthly spend per category
Transactions
Every purchase imports automatically, sorts into categories, and stays searchable. Edit details, filter the list, and understand spending by merchant — not just by month-end totals.
- Automatic import and smart categorization
- Pending and posted transaction states
- Search, filters, and date grouping
- Notes on any transaction
- Custom time frame category details
- Add manual transactions
- Spending by store or brand
- Reassign categories and remove from calculations
More features
Tools that connect the dots between daily spending and longer-term clarity.
Recurring subscriptions
See upcoming subscription charges grouped by how soon they hit — from the next two weeks to further out. Review amounts, linked accounts, and due dates so recurring costs stay visible before they post.
Cash flow forecast
See predicted upcoming income and expenses on a calendar, based on your historic transfers and spending patterns. Tap any day for daily and month-to-date totals before money actually moves.
Account profiles
Create multiple profiles and assign checking, savings, and credit card accounts to each one. The default Paper profile always includes every account, so you can still see the full picture when you need it.
Events
Group purchases into custom events — trips, holidays, home projects, or anything else. Assign transactions from the detail screen and see event totals separate from everyday spending.
On-device AI
Get plain-language explanations of your spending patterns powered by Apple's on-device models. Your financial data stays on your iPhone instead of being sent elsewhere just to power a feature.
Every feature. One simple price.
Start with a 7-day free trial, then $4.99/month $2.99/month or $44.99/year $29.99/year. No tiers, no upsells.
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