Short answer
Shared finances work best when each person has their own login and sees only what is shared with them. In Finman one person creates a family and the others join with an invite code. Each account owner then picks, person by person, who can view the account, add transactions, edit it or delete it. Everything else stays private.
Three ways people share finances
Before any app, decide where the shared money lives. Most households use one of these, often two together.
| Way | What it does well | What it leaves out |
|---|---|---|
| Joint bank account | One place the shared bills are paid from; both can see and use it | Spending on personal cards; budgets and goals |
| One shared app login | Quick to start | Privacy, and any record of who did what; it breaks when one person changes the password |
| An app with access per person | Each person has a login and sees what is shared with them | Needs a few minutes of setup per person and account |
Finman uses the third way. The rest of this page explains exactly how, so you can decide what to share before you invite anyone.
How sharing works in Finman
Finman calls a sharing group a family, even when it is two roommates or you and a bookkeeper.
- 1Create a familyYou become its owner and get an invite code
- 2Others joinWith the code and their own email or Google login
- 3Share accountsPer account and per person: view, add, edit, delete
- 4Use itShared accounts appear in each member’s account list
Accounts you do not share stay visible only to you. Transactions a member adds to your shared account land in that account’s history, so your budgets and reports count them. Budgets, goals and debts belong to the person who created them; sharing works through accounts.
Rights on a shared account
| Right | The member can | Give it when |
|---|---|---|
| View | See the account and its transactions | Someone needs the picture: a partner, a parent you support, a bookkeeper |
| Add transactions | Log new spending or income into the account | They pay shared bills and should record them |
| Edit | Change the account’s details | You share the running of the account equally |
| Delete | Delete the account | Rarely; most owners keep it |
Corrections to existing entries are made by the account owner. You can change or revoke any right later from the family screen, one person and one account at a time.
Roles in the family
| Role | Can do |
|---|---|
| Owner | Rename or delete the family, change roles, make someone admin, remove members, renew the invite code |
| Admin | Remove members other than admins and the owner, renew the invite code |
| Member | Use what is shared with them and leave the family |
Roles manage the group; account rights decide what each person sees. Renewing the invite code makes the old one stop working, which is the step to take when a code has gone further than you meant. If the owner deletes the family, every member loses access.
Who shares what: four common setups
| Who | Share | Rights | More |
|---|---|---|---|
| A couple, merged | Every account | View, add and edit for both | Joint budget in 5 steps |
| A couple, separate money | One household account | View and add | Separate finances guide |
| A family of adults | The household account, plus any account you fund for someone | View and add for the adults who log spending; view only for the rest | Family finance app |
| Roommates | A “House bills” account held by one roommate | View and add for the others | Splitting bills with roommates |
A bookkeeper or adviser can join the same way with their own Finman login. Give them view on the accounts they need to see and nothing more. Finman covers personal and household money: it has no payroll, invoicing or double-entry ledger, so a business keeps its books in accounting software.
Share one account and see how it feels
Create a family, invite one person and share a single account with view rights. Free during the open beta, no card.
Create a familyBefore you invite anyone
- 01List the shared costs. Rent, bills, groceries, the car, a trip fund. Anything off the list stays personal.
- 02Decide who owns the shared account. That person’s budgets and reports will include what everyone logs into it, and they correct mistakes.
- 03Agree the rights. View and add cover most needs. Keep edit and delete with the owner unless you share the bookkeeping equally.
- 04Agree the exit. Who keeps the account if someone moves out, and when the family gets deleted. Members can leave a family at any time.
- 05Know where the data goes. Finman stores data on its own server, does not sell it or share it with advertisers, and answers data requests at privacy@finman.money.
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. Privacy details are in the privacy policy.
Frequently asked questions
What is a shared finances app?
An app where several people track money together, each with their own login. In Finman one person creates a family, others join with an invite code, and each account owner chooses who can view the account, add transactions, edit it or delete it.
Does joining a Finman family share all my accounts?
Joining shares nothing by itself. A member sees an account only after its owner shares it with them, and accounts you do not share stay visible only to you.
Who sees the transactions a member adds to my account?
Everyone who has view rights on that account. The transactions land in the account’s history and count in your budgets and reports as the account owner.
Can I remove someone from a shared account?
Yes. Revoke their rights on that account from the family screen. The owner or an admin can also remove a member from the family, and renewing the invite code stops the old code from working.
Can my accountant or bookkeeper see my Finman data?
They can join your family with their own Finman login. Share only the accounts they need, with view rights. Finman is a personal finance app and has no payroll, invoicing or double-entry ledger.
How much does shared access cost in Finman?
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.
Share exactly what you mean to share
Create a family, invite with a code and set rights account by account. Free during the open beta, no card.
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