Household Finances

Text your budget. Log expenses by SMS, sync your banks, and stay on the same page with your partner, no app-open required.

Text your budget. Really.

Household Finances is a budgeting app you run by SMS. Paid for lunch? Text "$14 Chipotle" to your Household number. It's categorized, shared with your partner, and in your budget in seconds. No app to open, no receipt to scan, no form to fill out. Your phone's keyboard is the interface.

We built this because every other budgeting app assumes you'll stop what you're doing, unlock your phone, open an app, tap through five screens, and type in a $4 coffee. You won't. Nobody does. Household Finances meets you where you already are — in the messages app you already have open.

BUILT FOR COUPLES, FAMILIES, AND INDIVIDUALS

• Link accounts with your spouse or partner — every expense is instantly shared and categorized
• Assign expenses as personal, household, or business — so your own spending stays yours but household costs are transparent
• Prefix-style categories for couples: "J Fun" and "K Fun" keep each partner's discretionary spending separate

THE SMS SUPERPOWER

• Log an expense: "$14 Chipotle"
• Log with a category: "$14 Chipotle category Restaurants"
• Log a refund: "Refund $20 Target"
• Log an income: "Income $2500 paycheck"
• Check totals: "Balance" or "Budget"
• Log several in one message: "1. $14 Chipotle 2. $8 Starbucks 3. $45 groceries"

FULL-FEATURED BUDGETING, NOT JUST SMS

• Bank sync via Plaid — transactions import automatically and reconcile against what you've texted
• Verify tab: a one-screen inbox where the app shows you any bank transactions it couldn't auto-match, so nothing slips through
• Recurring bills with smart reminders before due dates
• Recurring income tracking, including variable amounts
• Category-level budgets with rollover support
• Custom categories you can define per household or business
• Multiple reports: Net Worth, Top Merchants, Category breakdowns, spending over time
• Receipt scanning with AI extraction for the times you want to snap-and-go

DESIGNED FOR PRIVACY

• Face ID / Touch ID lock
• Your data is yours — we don't sell it, don't advertise against it, don't share it
• Bank credentials are never stored by us — Plaid handles that

Questions, feedback, or bug reports: there's a button in the app. A real human will read it.

Household Finances is a product of Household Finances LLC. Built for people who want a budget that actually fits into their day.