Shared money deserves its own wallet.
BudgetLuma treats shared wallets as a first-class concept — not a folder, not a tag, not a shared spreadsheet. Invite by email, pick a role, and let everyone contribute in their own currency.
- Owner / editor / viewer roles
- Invited members join free
- Email, push, and in-app notifications
- Contribution balance — numbers only, no judgement
Free to start. No credit card.
Shared wallets, built on server-side rules.
The backend decides who can do what. The app reflects it.
Invite by email, pick a role
Send an invitation to any email address. Assign owner, editor or viewer — each role has a clearly defined scope of actions, enforced by the server, not just the UI.
Free to join as a member
You don’t need Premium to be invited into someone else’s shared wallet. Add transactions, view balances, contribute — fully free as a member. Only the wallet owner needs Premium to create and manage shared wallets.
Real-time, idempotent notifications
Invitations trigger email, push and in-app inbox notifications. Deliveries are idempotent and retried automatically on failure. Each inbox item has a clear lifecycle: unread, read, archived.
Contribution balance (Premium)
See each member’s contribution in the wallet’s base currency and the equal-share per member. Numbers only — no “top spender” label, no judgement, no social pressure.
Three roles. Clear lines. Enforced on the server.
Every action routed through a `security definer` RPC — the UI can’t grant more than the backend allows.
Owner
Full control. One per wallet. Manages members, invitations, settings. Can convert a personal wallet to shared (one-way, premium-gated).
Editor
Can create, edit and delete transactions in the wallet. Cannot manage members, invitations or wallet settings.
Viewer
Read-only. Sees every transaction and balance in the wallet but cannot change anything.
A Premium gap doesn’t break your group.
If the owner’s Premium ends, the shared wallet and every member keep full access. Only new shared-wallet creations and new invitations pause until the owner renews.
Your data stays
Transactions, members, balances, invitation history — nothing is wiped, ever, because of a lapsed subscription.
Members aren’t held hostage
Editors can keep editing, viewers can keep viewing. The product trusts the relationship, not the billing state.
Renewal is instant
Premium status is computed server-side from the RevenueCat webhook. Restore purchases any time, from any device.
Shared wallets — questions answered honestly
Do I need Premium to join a shared wallet?
No. Only the wallet owner needs Premium to create and manage shared wallets. Invited members — editors or viewers — participate for free and have access to the full wallet for as long as they’re members.
What happens if the owner’s Premium ends?
Existing shared wallets and their members keep full access. Owners keep all their data. Only new shared-wallet creations and new invitations pause until the owner renews.
Can a shared wallet be converted back to personal?
A personal wallet can be converted to shared, but that conversion is one-way. Removing members or archiving the wallet does not re-create a personal wallet — it changes membership, not the wallet’s type.
How do I remove a member?
Only the wallet owner can remove a member. Members can also leave on their own at any time. The owner cannot leave their own wallet — they must archive it if they no longer want it.
Are permissions enforced only in the UI?
No. Every sensitive operation is routed through a server-side RPC that checks ownership and role membership. The client app is never trusted to authorise actions — the backend decides.
What if someone I invite hasn’t signed up yet?
The invitation is attached to the email. When that person later signs up, their pending invitation is automatically resolved and a notification appears in their inbox, so the invitation is never silently lost.
Related guides
Couples budgeting
Household and partner budgeting with shared wallets and a neutral contribution balance.
Read the guide GuideBudget tracking
Real-transaction budgets per wallet or per category, monthly or custom rolling.
Read the guide GuideTravel budget app
One wallet per trip, real bank rates, optionally shared with a travel partner.
Read the guideShare money without sharing a spreadsheet.
Free to join as a member. Available on iOS.