Household Finances

Household Finances — Shared Money, Made Simple
Managing money with other people is hard. Splitting bills, tracking shared expenses, knowing who paid what — it gets messy fast. Household Finances fixes that. Built for couples, roommates, and families who share money, bills, and life together, it keeps everyone on the same page without the awkward conversations.

💬 Text to Track Spending
No app to open in the moment. Just send a text like "$50 groceries Walmart" and it's logged instantly. It works in group chats too, so everyone in your household can track expenses the same way — no behavior change required.

🏦 Connect Your Bank Accounts
Link checking, savings, and credit cards for automatic transaction syncing via Plaid. Every transaction is cross-referenced against what your household has reported so nothing slips through the cracks.

👥 Built for Multiple People
Invite your partner, roommates, or family members. Everyone gets their own login. Share household costs transparently while keeping personal spending private — you control who sees what.

📊 Smart Reports & Budgeting
Get monthly, quarterly, and annual reports with category breakdowns. Set household and personal budgets. Track net worth trends over time and see your full financial picture in one place.

🔒 Secure by Default
Your financial data is protected with AES-256 encryption at rest, TLS in transit, row-level data isolation, and two-factor authentication. We never store your bank credentials — Plaid handles that securely. Your data is never sold or shared. Ever.

Why Household Finances?
Most budgeting apps are built for one person. Household Finances is built for real life — where two people share a Netflix subscription, three roommates split rent, and families track everything from groceries to date nights.
Whether you're just starting to combine finances or you've been managing a household for years, Household Finances gives everyone visibility, accountability, and the tools to make better financial decisions together.
Download free and invite your household today.

Key Features:
✔ SMS expense logging — no app required in the moment
✔ Group SMS support for shared household tracking
✔ Plaid bank account sync (checking, savings, credit cards)
✔ Multi-user households with privacy controls
✔ Monthly, quarterly, and annual spending reports
✔ Household and personal budget tracking
✔ Net worth tracking over time
✔ AES-256 encryption and two-factor authentication
✔ No ads. No data selling. Ever.