Household
Couples budget, separate accounts: shared plan, independent money
Many couples keep separate accounts and still want a shared plan. The structure that works: joint bills split fairly, shared goals funded proportionally, and the rest of each paycheck staying personal — with one household calendar everyone sees.
- Shared household calendar
Bills and shared goals on one grid both partners see.
- Fair split of bills
By income, equal, or fixed shares — the rule you both agree.
- Transfers repeat
Each partner's contribution transfers on payday automatically.
- Money stays separate
Personal balances stay private; the plan is what is shared.
The separate-accounts structure
Keep individual accounts. Add the household layer: joint bills with a split rule, shared goals with agreed contributions, and a joint projection. Each partner's share transfers on payday — the calendar schedules it — and the shared view keeps the household honest without merging anything.
Split rules that work
| Rule | How it works | Best for |
|---|---|---|
| By income | Proportional to earnings | Different incomes |
| Equal | Same share each | Similar incomes |
| Fixed | One partner takes specific bills | Natural bill owners |
Frequently asked questions
Can we budget together without merging accounts?
Yes — keep separate accounts and share a household calendar of joint bills and goals with an agreed split.
How do we split bills fairly?
By income is the common fair rule; equal or fixed work when incomes are similar or ownership is natural.
Is it free?
Yes — the shared calendar and recurring plans are free forever.
Separate money, shared plan
Free core, one-time Pro, no bank linking.