For a family
One pot everyone can see. A narrow one for the child and the nanny
The Novaks are two parents, thirteen-year-old Lea with a card and chores, and Marta, who looks after the kids three days a week.
The family's money, and a screen for each role
Each seat sees what is theirs: the child a screen of chores and pocket money, the nanny only her card.
The space in depth →Julia runs the pot, Adam signs with her, Lea should see only her own money, Marta only what she spends. Who sees what?
A child's cabinet shows only their assigned accounts, goals and chores; everything else is closed by default, not by a setting that someone had to remember to switch on.
A caregiver has her own assigned account and books what she spends from it; the parents see every row under her name, as it lands.
Chores, envelopes, goals and the bills
Chores that pay into the child's account when a parent approves, and every dated bill on the calendar.
Budgets in depth →Groceries, eating out and school for the month. Who gets told when one runs low, and who is kept out of it on purpose?
✓Walk Bruno every morning this week€5
✓Tidy the room before Sunday€3Approve
○Water the plants€2
A task with a reward agreed in advance, assigned to a child; the child marks it done, a parent approves, the reward lands on the child's own account the moment it is approved.
Summer in Croatia66%On track
Lea's bike34%On track
A goal counts marked transactions or the balance of the accounts you link to it, and shows the pace it is on.
Sep 25Julia · salary+4,100
Oct 3Escola Alemã · tuition640
Oct 5Netflix12.99
Oct 8EDP · electricity94.60
Oct 9Home insurance78
Everything dated on one page: what is overdue, what falls this week, what is coming in, and where the balance lands at month end.
The assistant
Ask if the month fits the budget
Allowances, bills and the savings goal: the composer answers from the household's own rows.
The assistant in full →- Reading the joint account
- Projecting the bills to the 25th
No: the low point is 640 on the 22nd, after the mortgage. The car insurance on the 24th is already counted. Savings holds enough for a buffer; moving it is yours to do at the bank.
What it takes on
- Who owes whom between the adults
- What each adult owes or is owed for the shared costs, and the transfers that square it.
- Subscriptions that got dearer
- The last charge against the typical one before it, in the supplier's own currency, so one odd month does not read as a rise. A press writes the new price into the plan.
- Every subscription, once
- Each repeating charge in a single list with its share of a month, and how much leaves in the next 30 days.
Connections
The bank, the family's cards and the phone
The bank by feed, the cards from one prepaid balance, and the phone for receipts and a child's spends.
- Plaid
- Revolut
- Wise
- Telegram
- SMS
- Google Drive
Who does what
Two parents, a child, a nanny, one pot
- Head of the family
- Runs the pot, sets the envelopes, and approves the chores.
- Parent
- Sees everything the head sees and gets the same alerts.
- Child
- Her card, her piggy bank, her tasks and her goal; nothing else.
- Caregiver
- Her own card and the rows she books; nothing of the household.
Control and trust
Who in the family sees what
- Everyone sees their part
- A child never sees the household budget; a caregiver sees only her own book; nobody sees anyone else's own personal space.
- Agreed up front
- A chore's reward is agreed in advance, so it is not a negotiation twice; a parent presses pay.
- Household words
- Head of the family, parent, adult, child, caregiver: the same permission model as an office, in the family's own words, not the office's.
- Your own space
- A family space is separate from your own.
Questions
The questions that come first
Can a thirteen-year-old have her own login?
Yes, as a child: a parent consents when inviting her. Her cabinet shows only her assigned accounts, goals and chores; everything else is closed by default.
What does the nanny see?
Her own book: the account assigned to her and the rows she books from it. She sees nothing of the household's budgets, net worth or the parents' salaries, and the parents see every row under her name, the day she books it.
Does my partner see my personal account?
No. A family space is separate from each person's own space. Only the accounts you put into the family are household money; your salary stays yours unless you move it in.
Read next
Where this goes on
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.