A budget app for couples and households — without the judgement.
Share a wallet with your partner or roommate. Set clear roles. See contributions in plain numbers. Keep your personal finances personal.
- Shared household wallet with roles
- Contribution balance — no “top spender” framing
- Free to join for the invited partner
- Household budget with automatic 80% / 100% alerts — custom thresholds on Premium
Free to start. No credit card.
Shared money, minus the friction.
A shared household wallet
One wallet for the shared pot — rent, groceries, bills — with its own base currency and its own members. Personal finances stay separate, not folded into the relationship.
Clear roles, no awkward arguments
Assign owner, editor, or viewer. Editors add and edit transactions; viewers see everything without changing it; owners manage membership. Server-enforced, not based on trust alone.
Contribution balance, numbers only
For shared wallets, Premium Insights shows each member’s contribution in the wallet’s base currency and the equal-share per member. Just numbers. No “biggest spender”, no “fair” label, no judgement.
Free to join for the invited partner
Only the wallet owner needs Premium to create and manage a shared household wallet. The partner or roommate being invited can participate fully — free forever as a member.
Numbers stated, nothing moralised.
BudgetLuma is deliberately quiet on shared wallets. Contribution balance is a single, honest number — what each member added to the shared pot in the period, and the equal-share if you split evenly. We don’t flag a “biggest spender”. We don’t call anything “fair”. We don’t emit weekly guilt reminders.
The people sharing the wallet get the full picture; what they do with it stays private between them.
Couples budgeting — questions answered honestly
Does BudgetLuma split bills for us?
BudgetLuma doesn’t generate a “you owe me” ledger. It does something gentler: Premium Insights shows each member’s total contribution to the shared wallet and the equal-share per member, so you can see the balance at a glance. Actual settlements are left to you — the app stays neutral.
Can we each keep a personal wallet on the side?
Yes. On the free plan you get one wallet; with Premium you get unlimited wallets, so you can run a shared household wallet and each still keep personal ones in parallel.
What happens if we break up?
Either of you can leave the shared wallet. The owner can remove a member. The owner cannot leave their own wallet — they must archive it. All historical transactions are preserved unless you request full account deletion.
Is there a monthly “household budget” view?
Yes, if you set a budget on the household wallet. It shows the exact total across all members for the chosen period (monthly or rolling custom length), with automatic alerts at 80% and 100% — Premium adds custom thresholds (1 to 5 values between 1% and 100%). Progress is real transactions — no forecasts, no envelopes.
Does the other person see my personal wallet?
No. Shared wallets are isolated from your personal wallets. A partner invited into the household wallet sees only that wallet, never your others. Row-level security enforces this on the backend.
Related guides
Shared wallets
Deep dive on roles, invitations, notifications and downgrade-safe behaviour.
Read the guide GuideBudget tracking
Real-transaction budgets per wallet or per category, with automatic alerts
Read the guide GuideSecurity
No bank sync, server-authoritative rules, row-level security.
Read the guideShare a wallet. Not your anxiety.
Free to join for the invited partner. Available on iOS.