Short answer
A family finance app lets the adults in one household track shared money while each keeps a private view. In Finman you create a family, members join with an invite code and their own login, and each account owner chooses who can view it or add spending to it. The Family plan covers up to 5 members; the open beta is free.
What a family finance app has to handle
A household runs several money jobs at once: two incomes on different pay dates, fixed bills, groceries that creep, irregular costs and a few goals. A family finance app earns its place when it does these five things without one person re-typing the others’ spending.
- 01Several people, one picture. Each adult signs in with their own login and sees the household accounts they need.
- 02Privacy where you want it. A personal card or a side account stays with its owner. Sharing is a choice per account.
- 03Rights by person. The partner who pays the bills can log them; a relative you help with money might only need to view one account.
- 04A budget the whole household feeds. Spending logged by anyone on a shared account counts against the same category limits.
- 05Goals and irregular costs. Back-to-school, the car repair, the trip: funded monthly and visible to everyone involved.
How a family works in Finman
In Finman one person creates a family, the others join with an invite code and their own login, and the owner of each account chooses what every member may do with it: view it, add transactions to it, edit it or delete it. Accounts you do not share stay visible only to you.
- OwnerCreates the familyNames it and copies the invite code
- MembersJoin with the codeEach with their own email or Google login
- Account ownersShare accountsPick the accounts and the rights per person
- EveryoneLogs and readsShared accounts show up in each member’s list
Transactions a member adds to your shared account land in that account’s history, so your budgets and reports count them. That makes one adult’s household account the natural home for the family budget: everyone logs spending there, and the budget limits, alerts at 80% and reports follow the whole household.
Roles in a family
| Role | Can do | Who usually has it |
|---|---|---|
| Owner | Edit or delete the family, change roles, make someone admin, remove members, renew the invite code | The person who set the family up |
| Admin | Remove members (other than admins and the owner), renew the invite code | The second adult who runs the household money |
| Member | Use the accounts shared with them, leave the family | Everyone else |
Account rights are separate from roles: an admin sees only the accounts someone has shared with them. If the owner deletes the family, every member loses access to it. When you renew the invite code, the old code stops working.
Three family setups that work
| Household | What to share | Rights |
|---|---|---|
| Two parents, one household account | The joint account that pays rent or mortgage, bills and groceries | Both log spending: view and add transactions for the second parent |
| Parents who keep separate money | One household account each, shared both ways | View and add both ways; personal accounts stay unshared |
| Adults you help with money | One account for the costs you cover, for example a student’s rent | View only, or view and add if they log their own spending |
Finman is built for adults: it is not aimed at children, so younger kids stay outside the family. For the two-adult versions in more detail, see setting up a joint budget as a couple and couples who keep separate finances.
Running family money month to month
- 01Load the history once. You can type transactions, also offline, or import CSV, OFX or QFX files from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut or Wise; monobank connects with a personal API token.
- 02Budget from real averages. Set each category from the last three months, with a separate line for children’s costs: school, activities, clothes.
- 03Fund irregular costs monthly. Divide the yearly total of gifts, car repairs and school starts by 12. Our guide to sinking funds shows the arithmetic.
- 04Give each goal a date. Name it, set the amount and the date; My plan on the AI page works out the monthly amount, and What if shows how many months it takes at your current pace.
- 05Look ahead once a month. The forecast projects the balance up to 90 days ahead from the last 90 days, so a tight month shows up before it arrives.
- 06Ask the AI CFO. It answers from the asker’s own accounts, budgets, goals, debts and transactions: “Where did we overspend this month?” works best from the login that owns the household account.
Set up your family in one evening
Create the family, share the household account and invite the other adults with a code. Free during the open beta, no card.
Create your familyFamily plans in other apps
If you are comparing, these are the household options listed on the vendors’ own pages on 30 October 2026.
| App | Who can join | What members see | Price |
|---|---|---|---|
| Finman | Family plan: up to 5 family members | Only the accounts shared with them | Free in the open beta; Family $19/mo after it |
| YNAB | Partners, families and close groups of up to six people | The shared budget | $14.99/mo or $109/yr |
| Monarch | Household members at no extra cost | All accounts and transactions in the household | $14.99/mo or $99.99/yr |
| Goodbudget | Anyone on the synced devices: 2 free, 5 on Premium | The shared envelopes | Free, or $10/mo or $80/yr |
Sources, checked 30 Oct 2026: YNAB pricing, Monarch for couples, Monarch pricing, Goodbudget plans; Finman plans from the home page. Check the vendor’s page before you pay.
Where Finman fits, with its limits
Finman runs in the browser at app.finman.money on Android, iPhone and desktop and installs to the home screen; store apps are not published yet. It reads bank files and monobank; there is no automatic link to US or Canadian banks. It covers household money: for payroll, invoicing or a family business’s books, use accounting software. During the open beta every feature is free and no card is asked. After the beta, the Family plan is listed at $19 a month for up to 5 family members.
Frequently asked questions
What is a family finance app?
An app where several adults in one household track shared money with their own logins. In Finman one person creates a family, the others join with an invite code, and each account owner chooses which accounts each member can view, add transactions to, edit or delete.
How many people can share a Finman family?
The Family plan is listed for up to 5 family members. During the open beta every feature is free and no card is asked.
Can each family member keep some accounts private?
Yes. Sharing is set per account. Accounts you do not share stay visible only to you, even inside the family.
Can both parents add spending to the same budget?
Yes. Share the household account with the second parent and give them the add-transactions right. What they log lands in that account’s history and counts in the account owner’s budgets and reports.
Can children use Finman?
Finman is not aimed at children and does not knowingly create accounts for them. Families use it for the adults in the household, for example two parents or a parent and an adult child.
Is there a free family finance app?
Finman is free during its open beta, family sharing included, with no card. After the beta the Family plan is listed at $19 a month for up to 5 members. Goodbudget has a free plan on two devices.
One household, one budget, private where it counts
Create a family, share the household account and invite up to 4 more adults. Free during the open beta, no card.
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