Family and shared access

There are two different situations here, and they are solved differently.

People inside one account

The Family section. You add people — a partner, children — and tick which accounts are whose. From then on the app sorts it out itself: income arriving on someone's account is their income, spending leaving it is their spending.

Nothing extra to enter at the till, and everything already recorded is attributed at once, retroactively.

Accounts given to nobody show up as common money.

Separate logins

The Shared access section. You create an invitation link and send it. The other person signs in as themselves and sees the same budget: the same accounts, transactions, categories and goals.

While somebody is working in another person's budget, a bar at the top of the screen names the owner — so an expense does not land in the wrong budget.

Safety

The link lasts seven days and works once. Access can be taken back at any moment and stops immediately. Access is full: whoever you invite sees everything and can change everything.

What the Family section shows

Per person, for the chosen month: what they earned, what they spent and what is in their accounts now. At the top, the household total: earned, spent, total in accounts. On a line of its own, "Common money" — the accounts marked as nobody's.

Months page back and forth, so you see not one slice but how it moved. Each person has their own colour and their own page with spending by category and a list of income.

Nothing needs tagging at the till

Attribution comes from who owns the account, not from each transaction. Mark once whose an account is, and everything that left it or arrived in it becomes that person's spending and income. All the history already recorded is attributed at once, backwards too.

For the same reason, deleting a person breaks nothing: their accounts and transactions stay, they simply become common.

Shared access: a login each

The second method solves a different problem. The person signs in with their own login on their own phone and sees the same accounts, transactions and categories. It is for when two people run the budget, not for when one runs it and the other is mentioned in it.

An invitation link lasts seven days and works once. Whoever comes in through it has full access: they see everything and can change it. It can be revoked at any moment, access disappears immediately, and everything they recorded stays with you.

Whose budget you are in

If you have been given access, a line appears at the top naming the budget you are working in, with a switch between yours and theirs. It exists so you do not record your groceries in somebody else's budget — a mistake otherwise noticed a week later.

Shared access is Plus, and only the budget's owner pays: the second person needs no subscription.

How to split joint costs when incomes differ, and what to keep personal — budgeting as a couple. What changes once there are children — a family budget with children.