SharedNest vs Zeta
Joint banking for US couples — not a plan you can take anywhere.
Zeta bundles a joint account with couple-friendly tracking. If you want your money literally pooled and you bank in the US, that is a neat package.
SharedNest takes the opposite stance: keep your own accounts, agree on how you split, and let the app hold the shared picture. Same alignment, far less plumbing — and it works wherever you live.
Plenty of couples deliberately keep separate accounts. A product built on a joint account cannot serve them.
Banking products stop at the border. A ledger does not.
Beyond the account, there is little for goals, benchmarks or long-term insight across a family.
| Feature | Zeta | SharedNest |
|---|---|---|
| Income-weighted splits | Pooled money instead of a split rule | Any ratio you choose, applied automatically to every shared expense |
| Private expenses | Pooled spending is shared by definition | Mark any expense private — it counts for you, stays invisible to the household |
| Keep separate accounts | Built around a joint account | Yes — accounts stay yours |
| Availability | US only | Anywhere, any currency you track in |
| Goals and insights | Limited | Shared goals, benchmarks, monthly snapshot |
Couples who want fairness and transparency while keeping their own accounts.
No account migration needed. Add your shared bills, pick a split, and the balance tells you who tops up whom.
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.
