A beginner's guide to shared budgets
Overview
Sharing money with a partner, family or housemates does not have to mean sharing everything. A shared budget covers the costs you hold in common, leaves the rest private, and gives everyone the same picture of what is paid and what is due.
Key Capabilities
Shared where it helps, private where it matters.
Finos lets each person connect their own accounts and choose exactly what the shared workspace can see.
A shared pot
One account or one budget for rent, bills and groceries, visible to everyone.
Private accounts
Your own spending stays your own; the workspace sees only what you allow.
Clear permissions
Who can view, who can add, who can change a limit, set per person.
Setup Instructions
Agree the shared costs before setting up the workspace; the list is usually shorter than people expect.
01 — Invite
Send an invite; each person connects their own accounts.
02 — Choose the shared lines
Rent, utilities, groceries and whatever else you split.
03 — Set the roles
Decide who approves changes, and Finos keeps a record of each one.
Security & Privacy
Shared does not mean exposed. Every member signs in separately, sees only what they are permitted to, and can leave the workspace, taking their accounts with them, at any time.
Questions, answered clearly.
Your membership brings connected accounts, cards, budgets and goals into one workspace, with planning views, shared access controls and support included.
Yes! You can connect multiple bank accounts and payment cards in one place, making it easy to track transactions, monitor balances, and manage your finances.
Your financial data is protected with secure encryption, strict access controls, and industry-standard security practices to help keep your personal and financial information safe.
Yes! You can invite team members or trusted individuals to your workspace and manage their access permissions to ensure everyone can access only the information they need.
During the 14-day review, you can explore your financial activity, review connected accounts, and evaluate how well the platform meets your needs before making a final decision.
Absolutely! You can cancel your subscription, change your billing plan, or update your payment method at any time through your account settings.
Budgets and goals together
