Manage your expenses together without giving up your financial independence.
Share the finances that belong to your household while keeping your personal finances yours. Track expenses, split costs, manage budgets, understand cash flow, and settle balances - all in one place.
Together, without combining everything
Your money is still yours. Your household is something you manage together.
You don't need to merge every account, expense, or financial decision to have a clear picture of your household. Household Saga keeps personal and shared finances connected without making them the same thing.
Keep personal finances personal
Track your own income, expenses, budgets, payment accounts, and spending without exposing your personal financial life to other household members.
Manage what you share
Track household expenses, shared categories, budgets, contributions, and settlements with the people you share your life with.
See how it all fits together
Understand your personal finances alongside your household commitments without losing the boundary between what is yours and what is shared.
Built around how households actually work
Everything you need to manage money together
Household Saga combines personal finance management with the tools you need to keep shared household finances organized.
Personal & Household Budgets
Create weekly, monthly, or yearly budgets for personal and household categories, and keep track of how much you have used.
Expenses & Recurring Transactions
Track one-time and recurring expenses and clearly distinguish between personal spending and expenses that belong to the household.
Household Expense Splitting
Split shared expenses equally by default, or override the split for individual expenses when the usual arrangement does not fit.
Settlements
Keep track of household balances and reconcile shared expenses on a weekly, monthly, or yearly schedule.
Income & Cash Flow
Track personal income and understand when money comes in, when expenses happen, and when payments actually move money.
Analytics & Insights
See spending patterns, compare personal and household expenses, monitor budgets, and spot things that need your attention.
Know what is yours, what is shared, and what is coming
A clearer picture of your household finances
Household Saga doesn't just collect transactions. It helps you understand your household's spending, income, and cash flow while keeping personal and shared finances distinct.
Track income and spending
Record personal income, household expenses, and recurring transactions so you can see where money is going over time.
Understand cash flow
Account for expenses when they are incurred and payments when they actually happen, including expenses paid through credit accounts.
See personal and household spending
Compare your own spending with household expenses and understand how your financial commitments fit together.
Less time figuring things out
Know what needs your attention
Once your finances are tracked, Household Saga helps turn the numbers into something you can actually use.
Spot unusual spending
Detect spending that stands out from your normal patterns and identify expenses worth taking a closer look at.
Keep an eye on budgets
See how much of each personal or household budget you have used and track your progress throughout the period.
Understand your household
See household spending patterns, contributions, settlement summaries, and the financial information that matters right now.
Set up your finances. Decide what you share. Let Household Saga keep track.
Set up
Create your personal finances and create or join a household. Invite the people you share expenses with.
Decide what is shared
Add household expenses, choose categories, and decide how shared expenses should be divided.
Track
Keep personal and household expenses, income, recurring transactions, budgets, and payment accounts up to date.
Settle
See household balances and reconcile shared expenses on the schedule that works for you.
FAQs
Frequently Asked Questions
A few things you may want to know before getting started.
Is Household Saga for couples?
Yes. Household Saga is designed for people who want to manage a household together without necessarily combining all of their personal finances. It is especially useful for couples, but it also works for families, roommates, and other households. Learn more about using Household Saga as a couple.
Can we keep our personal finances separate?
Yes. Personal finances and household finances are kept separate. You can participate in a household without giving other members access to your personal financial information.
Do we need to combine our bank accounts?
No. Household Saga does not require you to combine your personal finances. You can keep your personal accounts and expenses separate while managing shared household expenses 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 belong to more than one household?
Yes. You can create or join multiple households. Each household has its own shared finances, while your personal finances remain separate.
Can I create budgets for both personal and household expenses?
Yes. Budgets can be created for personal and household categories and can use weekly, monthly, or yearly periods.
Can I create recurring expenses and income?
Yes. Both expenses and income can be recorded as one-time or recurring transactions.
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 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.
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.
Manage your household together without giving up your financial independence.
Track shared expenses, manage household budgets, and understand your finances while keeping your personal finances yours.