Save up & invest in your future together with Twine, the first savings app built for two!

1. Pick your goal
2. Select an investment portfolio (or save in cash)
3. Connect your bank to start saving up in Twine and making progress on your goals

Once your new account is open, you can easily track the progress of your shared goals from the app, without multiple tools and spreadsheets. From a wedding to a down payment, save up for the milestones that matter and get there together.

1. Unlimited goals. Choose individual or shared.
2. Get smart recommendations from the app tailored to your saving and investing goals.
3. Track your goal progress and manage deposits, all from one intuitive dashboard.
4. Set and forget using automatic deposits from the app.
5. Enjoy bank-level security that keeps your personal information and accounts safe.

Twine helps you to make the financial decisions that are right for you and your partner. No matter the goal, our trusted and reliable service makes the process of saving up or investing money simpler than ever so you can focus on your life’s journey!

* Twine is backed by John Hancock and 150 years of stability and expertise.*

John Hancock Personal Financial Services, LLC (“JHPFS”) is an SEC-registered investment adviser. Clearing, custody and other brokerage services are provided by Apex Clearing Corporation (“Apex”). As with any investment account, your money is not FDIC insured or bank guaranteed. This means we can’t guarantee you won’t lose money (including the money you start with).

The JHPFS fee does not include the expenses of the underlying investments in your account. Any investment outcomes or goal achievement dates are hypothetical in nature, provided for educational purposes only, are not intended to serve as the primary or sole basis for investment decisions, and are not guarantees of future results. Please see full disclosure for more information.

What's New

Version 1.1.13

We’ve made a few miscellaneous improvements under the hood.

Ratings and Reviews

4.6 out of 5
1.4K Ratings
1.4K Ratings

Changed my financial life

Before downloading this app I was spending way too much every week , and couldn’t keep $500 in my bank account . Since downloading it back in January 2018 I’ve saved over 12k made plans and goal for the future. The money is taken out weekly for me and I don’t even notice it . It’s like my own personal coffee habit to say the least where I see the money adding up after every purchase ( transfer ) . Breaking down goals from weekly , monthly , annually is so much easier with this app. The plus is not having your money when you have the need to spend! It take 2-3 or 5-7 days to transfer it to your bank account so the temptation of spending is cut down drastically. It helped me budget my 40 hr work week , so when I’m working 73 hr work weeks all that extra cash goes into my saving account. Great app!

Needs a save and back button

trying to figure out how it works, see what it is, but it seems to say lots of “we’ll get to this later” after putting in lots of info now just in the “emergency fund” example. now i’m at the end and it wants to confirm creating the account to transfer money into.

um... where?

i don’t know enough about this app, also what if i do want it but i don’t want to go back and enter everything again? does twine have its own money market account with fees? it doesn’t say ANYTHING.

how do i really know i’ve chosen the right percentages of money? (suggesting something takes 3 years is not really enough to go off of, what if i need that cash now or prior to a check being cashed?) there would be no fees for them if i did something i shouldn’t have, so there needs to be more safety barriers such as:

rather than a single CONFIRM button how about a pause:

are you sure you want to do this? this will leave you with X $$$ according to what you entered.

Go back - this will save your progress to go over with your partner since you selected 2 people.

what about tips like: Do not get a credit card? which prey on low income people such as myself?

How do i know they won’t try to up sell me on their investment portfolios like credit card companies do at a college orientation fair?

please don’t just tell me to read the fine print, i need a FAQ that is clear.

Developer Response

Hi there. We're always working to make Twine better. Please feel free to get in touch with us at and we'll do what we can to address your concerns.


Not Working

**I will update when issues are resolved

I deposited $85 in our shared account last week and there is NO WAY to withdraw it, see recent activity, or see statements. All it is letting me do is change the name of the goal and the amount!! All it says is that I have a recurring deposit of $300 I don’t even remember setting. My fiancé has recent activity and all of the features enabled so as far as I’m concerned they took my money and ran with it. I’ve emailed customer service twice so hopefully we can get this figured out.

Edit: Customer service solved the problem. Thank you :)

Developer Response

Hi there. Sorry to hear about the trouble, and we'll keep working via email to make sure you have full access to your Twine funds. We'll have you up and running as soon as we can!


John Hancock Personal Financial Services, LLC
72.9 MB
Requires iOS 9.3 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© John Hancock Personal Financial Services, LLC


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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