Couples
Fair splits when incomes differ
50/50 isn't always fair if one partner earns more. Set income-based contribution ratios so you both build equity without anyone feeling house-poor.
Buying together in Canada
Co-ownership tracking for Canadian homes
Buy a home together.
Keep it fair.
Track contributions, split costs by income, and model buyout or exit math, so your shared home stays clear, not complicated.
14-day free trial. No credit card required. Works with or without a joint account.
Try it free🇨🇦 Built for Canadian co-ownersCouples, friends, and families$49 CAD per year, per home
Who it's for
Built for couples, friends, and families who own together
Friends
Clear rules between friends
The risk isn't the market, it's the ambiguity. Track uneven down payments and agree on a clear exit plan before you move in.
Read the co-buyer guides
Family
Shared upkeep, shared fairly
When siblings inherit a cottage or home, upkeep can cause friction. Track every repair, tax bill, and improvement so everyone pays their fair share.
See the equity trackerWhy Partnered
Buying a home is hard. Co-owning shouldn't be.
More couples, friends, and families are buying together. It makes financial sense, but messy spreadsheets and loose verbal agreements leave room for ambiguity. “Did you pay the tax bill?” “How much equity do I actually have?”
One source of truth. Every shared cost, contribution, and settlement in one ledger that every co-owner can see.
Fair by design. Split by income, by ownership share, or 50/50. Your rules, applied consistently every time.
No joint account needed. Keep your own accounts. Partnered tracks who paid what and tells you how to settle up.
Private and secure. Your financial data is yours. We never sell it, and you can request deletion anytime.
Current Equity
Updated todayTotal Equity$80k
Alex
$42,000 (52.5%)Jordan
$38,000 (47.5%)How it works
From messy spreadsheets to settled up
- 110 min
Set up your home
Add the property, who's on title, your mortgage, and how you want to split costs. Five short steps, no spreadsheet required.
- 2Ongoing
Log shared costs as they happen
Each co-owner logs what they paid from their own account. Partnered applies your split rules and keeps a running ledger.
- 3Anytime
Settle up and see where you stand
See who owes whom each month, how your equity is evolving, and what a buyout or sale would mean for each of you.
Current Cycle
October 2024
AL
JO
Waiting for activity...
Mortgage Payment
Paid by Alex•Income (60/40)
$2400
Recorded
Hydro Bill
Paid by Jordan•50/50
$145
Recorded
Costco Run
Paid by Alex•50/50
$320
Recorded
End of Month Sync
Total Shared Spend
$2,865
Ledger Status
Jordan owes Alex
$92.50
November Fund
Projected joint costs
$2,950
Needs $1,475 each
Features
Everything you need to co-own with confidence
A set of tools designed to replace awkward conversations with clear numbers.
The ledger
Track expenses without the headache
Log shared costs like mortgages, taxes, and repairs. Tag who paid, and let Partnered calculate the split automatically based on your rules.
- Custom split rules (income-based or 50/50)
- Recurring expenses
- One-off repair logging
Recent Activity
Property Tax
Oct 12 • Paid by Alex
$450.00
50/50
Furnace Repair
Oct 15 • Paid by Jordan
$280.00
Income
Internet
Oct 20 • Paid by Alex
$85.00
50/50
View full ledger
Monthly Settlement
To balance the ledger for Oct.
Jordan owes Alex$142.50
75% settled
Equity
Live equity tracking
See how your ownership stake evolves. If you sell tomorrow, you'll know exactly how to split the proceeds fairly.
See the equity trackerCurrent Equity
Updated todayTotal Equity$80k
Alex
$42,000 (52.5%)Jordan
$38,000 (47.5%)Exit scenarios
Buyout and sale math
Preview buyout or sale outcomes instantly. Remove the fear of the unknown by seeing the numbers in black and white.
Try the buyout calculatorEstimated sale price$850,000
Mortgage balance-$420,000
Alex's payout (52%)$223,600
Jordan's payout (48%)$206,400
Free tool
What's your combined buying power?
Don't use a standard mortgage calculator for a non-standard purchase. Our co-buying calculator helps partners understand their joint affordability, accounting for individual debts, incomes, and down payments.
Launch the affordability calculatorPricing
Simple, transparent pricing
One low annual fee per home for complete peace of mind. Try it free for 14 days.
RecommendedStart 14-day free trial
Partnered
Typical cost$49 CAD / year
Time to set upUnder 10 minutes
Income-based splits, applied automatically
Live equity tracking
Buyout and sale scenarios
Clear monthly settle-up
No joint account needed
Unlimited co-owners
Spreadsheets & IOUs
Typical costFree, plus hours of upkeep
Time to set upHours, then ongoing
Income-based splits, applied automatically
Live equity tracking
Buyout and sale scenarios
Clear monthly settle-up
No joint account needed
Unlimited co-owners
14-day free trial. No credit card required. Try everything risk-free.
$49 CAD/year per property. Unlimited co-owners included.
Auto-renews annually. Cancel before renewal to avoid the next charge.
Your data stays yours. We never sell it. Request deletion anytime.
In their words
No more “who paid what”
“We replaced our messy spreadsheets and stopped the ‘who paid what’ arguments. Now we just check the app and get back to enjoying our home.”
Education Centre
Guides for buying and owning together
Legal basics
Do you need a co-ownership agreement?
Not everyone does — but everyone benefits from clear decisions. Here’s how to think about it.
Read moreShared costs
50/50 vs income-based splits: what actually works
A comparison of the two most common approaches — and the hybrid models people end up using in real life.
Read moreExit scenarios
How buyouts usually work in shared homes
A plain-English overview of the steps and what ‘buying someone out’ actually means.
Read moreWill Partnered work for your home?
Three questions, about 30 seconds.
Question 1 of 3
Do you own, or plan to buy, a home with someone else?
FAQ
Frequently asked questions
No. Partnered provides tools to track expenses and define fairness rules. The upcoming Agreement Builder provides templates, but we always recommend reviewing final agreements with a local Canadian real estate lawyer.
Absolutely. The platform is agnostic to your relationship status. It's built for anyone sharing a property deed or lease, whether you are married, dating, friends, or siblings.
You get 14 days of full access to every feature. No credit card required. Just sign up and start tracking.
If you'd like to continue, you can subscribe for $49 CAD/year per property. Your membership auto-renews annually. Cancel before renewal to avoid the next charge.
Each membership covers one property with unlimited co-owners. Every co-owner gets their own login and can log expenses, view equity, and access the ledger.
Yes. Your financial data is yours. We do not sell your data to advertisers. We use industry-standard encryption to keep your ledger secure. You can request deletion anytime by contacting us.
No! That's the beauty of Partnered. You can keep your personal accounts. Partnered acts as the ledger to track who paid what from their own accounts, then tells you how to settle up.
Your data is not deleted immediately. If you'd like your data removed, contact us and we'll take care of it. We never sell or share your financial data.
More questions? Get in touch
Optional · Coming soon
Agreement draft output
We’re building an optional feature that turns your fairness rules into a plain-English co-ownership draft — a starting point you can review with a lawyer, not a replacement for legal advice.
Aligned with standard property lawPlain English, no jargonUpdates as your arrangement evolves
This feature is in development and not included in the current membership. All existing features (ledger, equity tracking, exit scenarios) are fully available today.
Your shared home deserves clarity
Setup takes less than ten minutes. Start free, invite your co-owners, and know exactly where you each stand.
Try it free for 14 days