Share Budgets with Family and Partners—Securely

When you manage finances with a partner or family, you need a system where everyone can see the same numbers—without compromising control or security.

Our multi-user account sharing feature lets you invite family members, partners, or trusted individuals to access specific accounts. You choose exactly who sees what, with granular permissions that keep you in command.

Why Shared Budgeting Matters

Managing household finances often means juggling multiple accounts, tracking spending across family members, and keeping everyone aligned on financial goals. Traditional approaches create friction:

Separate logins, separate views: Each person logs into their bank portal, seeing different numbers and making coordination difficult
Shared credentials: Some households share bank passwords—a major security risk that makes it impossible to track who did what
Spreadsheet chaos: Copying numbers between spreadsheets creates version conflicts and manual reconciliation headaches

A better approach: Share specific accounts with the people who need access, set appropriate permission levels, and let everyone work from the same source of truth.

How Account Sharing Works

Invite with a Single Email

As an account owner, you can invite any user to access your financial accounts:

Navigate to the account you want to share
Click the "Share" button in the account header
Enter the email address of the person you want to invite
Select an access level (View Only or Manage)
Click "Send Invitation"

The invited user receives an email with a secure link. Existing users can accept immediately; new users can sign up and accept in one step.

Granular Access Levels

Not everyone needs the same level of access. Our permission system gives you precise control:

Access Level	What They Can Do	What They Can't Do
View Only	View account details and balances, see all transactions, access budgets with the shared account, view insights and reports	Create, edit, or delete transactions; modify account settings
Manage	Everything View Only can do, plus create/edit/delete transactions, create budgets with the shared account, create transfers between shared accounts	Edit account settings, manage shares, delete the account
Owner	Full control over the account	N/A—owners have complete access

Use cases:

View Only – Give your partner visibility into spending without write access. Perfect for monitoring household expenses or keeping a family member informed.
Manage – Let your partner add transactions, categorize spending, and collaborate on budgets. Ideal for households where both partners actively manage finances.

Secure Invitations

Every invitation is protected with security built-in:

Cryptographically secure tokens: Invitation links are generated with secure random tokens that can't be guessed
7-day expiration: Invitations expire after one week, limiting the window for misuse
Single-use tokens: Once accepted, the token is immediately invalidated
Email verification: Invitations are tied to specific email addresses—you can't accept an invitation meant for someone else

Complete Data Isolation

Sharing an account doesn't mean sharing everything. Shared users only see:

The specific accounts you've shared with them
Transactions within those accounts
Budgets that include those accounts

They never see your other accounts or private settings. Your data stays isolated, and authorization policies verify every action.

Managing Shared Access

View Current Shares

The Share page shows everyone who has access to an account:

Email address and access level for each user
Pending invitations that haven't been accepted
Quick actions to change access levels or remove users

Change Access Levels

You can upgrade or downgrade access at any time:

Promote a View Only user to Manage when they need to contribute
Demote a Manage user to View Only if their role changes
Changes take effect immediately

Revoke Access

Remove access with a single click:

The user is notified by email when their access is revoked
Budgets they created using the shared account remain theirs
They can be re-invited later if needed

Cancel Pending Invitations

Changed your mind before someone accepts? Cancel the invitation from the Share page. The token becomes invalid immediately.

For Invited Users

Accepting an Invitation

When someone shares an account with you, here's what to expect:

For existing users:
1. Click the acceptance link in the email
2. Log in if not already logged in
3. Review the invitation details (account name, access level)
4. Click "Accept Invitation" to confirm

For new users:
1. Click the acceptance link in the email
2. Create an account using the signup form
3. Your account is created and the invitation is accepted automatically

Finding Shared Accounts

Accounts shared with you appear in the "Shared With Me" section of your sidebar navigation. From there you can:

View all shared accounts and their access levels
Access account details and transactions
See budgets that include shared accounts
Leave a shared account if you no longer need access

Leaving a Shared Account

If you no longer need access to a shared account:

Navigate to "Shared With Me" in the sidebar
Find the account you want to leave
Click the "Leave" button
Confirm your decision

Your access is immediately revoked. The account owner is notified, and you can be re-invited later if needed.

Security and Privacy

Owner-Controlled Permissions

Only account owners can:

Invite new users
Change access levels
Remove users or cancel invitations
Shared users cannot re-share accounts with others

Authorization at Every Step

Every action is verified through our authorization system:

View Only users cannot modify any data—attempts are blocked
Manage users cannot change account settings or share permissions
Transfer transactions require Manage access on both the source and destination accounts

Email Notifications

Stay informed with automatic notifications:

Owners are notified when invitations are accepted
Shared users are notified when their access is revoked
Owners are notified when shared users leave

No Credential Sharing Required

Traditional bank account sharing often means sharing login credentials—a security nightmare. Our approach keeps everyone secure:

Each person has their own account with their own password
No one needs access to your bank credentials

Comparison: Shared Access vs. Traditional Approaches

Approach	Privacy	Control	Collaboration	Security
Shared bank login	None—anyone with credentials sees everything	None—can't limit access	Full—but no accountability	Low—credentials can be stolen or misused
Separate spreadsheets	Complete	Complete	Limited—constant syncing required	High—but prone to errors
Our shared access	Granular—share only what you choose	Complete—owners set permissions	Full—everyone sees the same data	High—each person has their own account

Use Cases

Couples Managing Household Finances

Scenario: Both partners want visibility into joint accounts, but only one person handles day-to-day transactions.

Solution: Share checking and credit card accounts with Manage access for the active partner, View Only for the other. Both see the same budget, but one person drives the transactions.

Parents Monitoring Teen Spending

Scenario: You've given your teenager a debit card and want to track their spending without hovering.

Solution: Share the teen's account with yourself using View Only access. You can see every transaction and help them learn budgeting—without taking over their account.

Roommates Splitting Expenses

Scenario: You share a utility account with roommates and need everyone to see the same numbers.

Solution: Create an account for shared expenses and share it with all roommates using View Only access. Everyone can see what's been paid, and the account owner handles the transactions.

Financial Advisor Access

Scenario: You work with a financial advisor who needs visibility into your spending patterns.

Solution: Share relevant accounts using View Only access. Your advisor can see transactions and trends without being able to modify anything.

Frequently Asked Questions

Q: Can shared users see all my accounts?

A: No. Shared users only see the specific accounts you've shared with them. Your other accounts, tags, and personal settings remain completely private.

Q: What happens if I share an account and then delete it?

A: When you delete an account, all shares are automatically revoked. Shared users lose access immediately, and any budgets they created using that account will no longer include it.

Q: Can shared users see my budgets?

A: Shared users can see budgets that include the accounts they have access to. They cannot see budgets that only include your private accounts.

Q: Can someone with Manage access change my account settings?

A: No. Only account owners can edit account settings (like name and type), delete the account, or manage shares. Manage access only allows transaction operations.

Q: What if someone accepts an invitation with a different email?

A: They can't. Invitations are tied to specific email addresses. If someone tries to accept an invitation meant for a different email, they'll be asked to sign in with the correct email.

Q: Is there a limit to how many people I can share with?

A: There's no hard limit. You can share accounts with as many people as needed—family members, partners, roommates, or advisors.

Conclusion – Collaborative Budgeting Without Compromise

Managing finances with others shouldn't mean sacrificing control, security, or privacy. Our multi-user account sharing feature gives you the best of both worlds:

Complete control: You decide who sees what and what they can do
Granular permissions: View Only for monitoring, Manage for collaboration
Privacy-first: Shared users only see what you share—nothing more
Secure by design: Cryptographic tokens, email verification, and automatic expiration

You stay in the driver's seat. Your partners, family members, and collaborators get the visibility they need. And everyone works from the same source of truth.

Ready to collaborate on your budget? Sign up for a free trial and invite your first shared user. Your financial data stays private, your permissions stay in your control.

Start My First Budget – Import My CSV Now

Privacy and Security – Your Financial Data Stays Yours – Learn about our privacy-first architecture
How to Create a Budget – Step-by-Step Guide – Set up your budget before sharing