Household
Joint budget: combined money, one plan, no second-guessing
A joint budget works when the numbers are shared and the plan is visible: combined income on its dates, shared bills assigned, and one projection both partners trust. That transparency is what makes "our money" actually feel joint.
- Combined calendar
Both incomes and all shared bills on one dated grid.
- One projection
The joint balance — what the household has, by date.
- Shared items repeat
Bills and incomes project forward automatically.
- Private by design
Shared plan without shared bank credentials.
The joint structure
A joint budget usually means: shared account for fixed costs, agreed percentages for savings, and personal spending money each partner controls. The calendar shows the shared layer — income dates, bill dates, joint balance — while personal layers stay private.
A structure that works
| Layer | What it holds | Who sees it |
|---|---|---|
| Joint fixed | Bills, housing, utilities | Both |
| Joint goals | Savings, debt, buffer | Both |
| Personal | Individual spending money | Owner only |
Frequently asked questions
What is a joint budget?
A shared money plan — combined income, shared bills and goals — with a joint projection both partners see.
Do we have to merge everything?
No — the common structure is joint fixed costs and goals with personal spending money.
Is it free?
Yes — the shared calendar and recurring plans are free forever.
Ours, dated and visible
Free core, one-time Pro, no bank linking.