Your finances. Your household. One complete picture.
Manage personal and shared finances together. Track income and expenses, build budgets, understand cash flow, analyze spending, and settle household expenses - all in one place.
One financial picture
Keep personal and shared finances separate - without keeping them disconnected.
Household Saga brings your personal finances and household commitments together while keeping their boundaries clear.
Personal finances
Track your own income, expenses, budgets, payment accounts, and financial trends.
Shared household finances
Manage household expenses, shared categories, budgets, and settlements with the people you live with.
See the whole picture
Understand how personal spending, household expenses, income, and upcoming payments fit together.
Everything in one place
More than a budgeting app
Household Saga brings everyday money management, household finances, analytics, and insights together.
Personal & Household Budgets
Create weekly, monthly, or yearly budgets for personal and household categories and track your progress over time.
Expenses & Recurring Transactions
Track one-time and recurring expenses, assign categories, and manage both personal and household spending.
Income & Cash Flow
Track personal income and see money coming in and going out over any time range.
Payment Accounts
Manage checking, debit, and credit accounts and account for expenses that are paid later.
Household Expense Splitting
Split household expenses equally by default, or override the split for individual expenses when needed.
Settlements
Set up weekly, monthly, or yearly settlements to reconcile shared household expenses and balances.
Analytics & Trends
Explore spending by category, compare personal and household expenses, and understand trends over any time range.
Insights
Spot unusual spending, monitor budget usage, understand settlements, and see relevant income and upcoming expenses.
Transaction Import
Import CSV transaction files directly in your browser, or use the optional AI helper to parse XLSX and PDF statements.
Know where your money stands
Understand spending, income, and cash flow
Household Saga doesn't just record transactions. It helps you understand when money is earned, when expenses are incurred, and when payments actually happen.
Track income
Record personal and recurring income and see how it contributes to your overall cash flow.
Handle credit correctly
Account for expenses that are incurred now but paid later, so your cash-flow picture reflects when money actually moves.
See what is happening
Compare income and expenses over any time range and understand what has been paid, what is due, and what is coming next.
Stay informed
Let your finances tell you what needs attention
Insights turn your transaction history into useful signals, so you spend less time looking through numbers.
Spot unusual spending
Detect anomalies in your spending by category and identify expenses that stand out from the norm.
Monitor your budgets
See how much of each budget you have used and track progress throughout the period.
Understand your household
See settlement summaries, household spending patterns, and the financial information that matters most right now.
How it works
Set up
Create your personal finances and one or more households. Invite the people you share expenses with.
Track
Add income, expenses, recurring transactions, budgets, and payment accounts.
Understand
Explore spending trends, cash flow, budget usage, and insights across your finances.
Settle
Reconcile shared household expenses and settle balances on your schedule.
FAQs
Frequently Asked Questions
Everything you need to know before getting started.
Who is Household Saga for?
Anyone who wants to manage personal finances and shared household expenses in one place. It works for couples, families, roommates, and other households - and you can also use it on your own.
Can I keep my personal finances separate?
Yes. Personal finances and household finances are kept separate. You can participate in a household without making your entire personal financial life visible to other members.
Can I belong to more than one household?
Yes. You can create or join multiple households. Each household has its own shared finances, while your personal view can bring your overall financial picture together.
How are household expenses split?
Household expenses use an equal split by default. You can override the split for individual expenses when a different arrangement makes more sense.
Can I create recurring expenses and income?
Yes. Both expenses and income can be recorded as one-time or recurring transactions.
Can I track credit card expenses?
Yes. Payment accounts can be configured for credit so expenses can be accounted for when they are incurred while also reflecting when the payment actually happens.
Can I import transactions from my bank?
Yes. CSV transaction files can be parsed securely in your browser. An optional AI helper can also parse XLSX and PDF statements and turn their transactions into expenses and income.
Does Household Saga use AI?
AI is optional and is used to assist with tasks such as parsing financial statements. Core financial calculations - including budgets, expense splits, balances, and settlements - are handled by the application using deterministic rules.
What kind of analytics are available?
You can explore expense trends by category, compare personal and household spending, analyze household spending by payer, view income versus expenses, and see aggregated spending over different time periods.
How do settlements work?
You can enable settlements for a household on a weekly, monthly, or yearly basis. Settlements summarize shared expenses and balances so household members can reconcile what is owed.
Can I create budgets for different periods?
Yes. Budgets can be created per category for weekly, monthly, or yearly periods.
How does Household Saga handle privacy?
Personal and household finances are kept separate. Being part of a household does not give other members access to your personal financial information.
Ready to get a clearer picture of your finances?
Start managing your personal and household finances in one place.