Two incomes, two logins, one plan.
Both paychecks land in one plan either of you can open. An account is separate, balance only or joint, and a savings fund one of you keeps still counts in the household total.
Accounts
Shared in full, as a number, or not at all.
An account is set to joint, balance only or separate, and the other person is shown everything, one balance, or only a hidden rollup that keeps the totals whole. Two people get a shared picture without either handing over a login or a statement.
Household visibility in the help center →
Plan
One month, planned from both paychecks.
Both paychecks and every line of the month on one page. The month gets planned once, for the household, not twice and reconciled at the kitchen table.
Savings
Kept to yourself, and kept on the books.
A savings fund has an owner, and a fund that is one person's shows the other only a hidden row, with the account's earmarked total still whole. A gift fund stays yours, with no hole in the shared picture.
Reports
Who spent it, answered by the ledger.
The ledger filters by owner, yours, theirs or joint, and a report groups spending by person. The end-of-month reconciliation becomes a filter either of you can open.
Today
Nobody texts to ask if the card got paid.
Today shows both of you the same page: the position, this month's cash flow, spending pace, safe to spend and how the plan is tracking. Either of you can look instead of asking.
Asked often.
Only on a joint account. Balance only shows them the account and its balance and nothing more. Separate shows them no name, balance or transactions; its value rolls into one hidden line so the totals still reconcile. One transaction on a joint account can be marked private on its own, and it leaves no row behind.
Yes. One subscription covers the household, at $12 a month or $90 a year, with a login for each person.
A member leaves by deleting their sign-in. The delete shows what stays and what goes before it runs: joint accounts stay with the person who stays, separate and balance-only accounts go with the one leaving, and it can't be undone. An export made first holds what that person could see, nothing the other kept separate.
The stricter setting wins. For anything the two of you share, AI features stay off while either person has them off.