Everything you need to manage household finances together.
Track personal finances, organize shared expenses, manage budgets, understand cash flow, and settle household balances. Keep your personal finances separate while managing shared financial responsibilities in one place.
Household finances, organized
One place for your personal and shared finances
Household Saga brings the everyday tasks of household money management together without requiring everyone to combine their finances.
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 distinguish personal spending from expenses that belong to the household.
Household Expense Splitting
Split shared expenses equally by default, or override the split for individual expenses when your arrangement calls for it.
Settlements
Track household balances and reconcile shared expenses on a weekly, monthly, or yearly schedule.
Income & Cash Flow
Track personal income and understand when expenses happen and when payments actually move money.
Analytics & Insights
Review spending patterns, compare personal and household expenses, monitor budgets, and identify spending that stands out.
Keep the distinction clear
Personal finances stay personal. Household finances stay shared.
A household budget shouldn't require everyone to put every part of their financial life into one shared pool.
Manage your own finances
Track your income, expenses, budgets, payment accounts, and spending as your own personal financial picture.
Organize shared household costs
Record expenses that belong to the household, track who paid, and keep each person's share organized.
See how everything fits together
Understand your own spending alongside your household commitments without treating all personal spending as shared spending.
From expenses to actual cash flow
Understand more than who owes what
Expense tracking, budgeting, and cash flow answer different questions. Household Saga helps you keep these parts of your finances organized together.
Know what you spend
Record personal and shared expenses, including recurring transactions, and review your spending over time.
Understand when money moves
Distinguish when an expense is incurred from when it is paid, including expenses paid through credit accounts.
Monitor budgets and patterns
Review budget usage, compare personal and household spending, and identify unusual spending that deserves a closer look.
Shared costs, clearly accounted for
Track contributions, splits, and settlements
Keep a clear record of shared expenses so you can understand how costs are divided and what remains to be reconciled.
Record who paid
Keep track of the person who paid each shared expense and the share assigned to each household member.
Choose an appropriate split
Use equal splits by default and override individual expenses when your household uses a different arrangement.
Reconcile household balances
Use settlement summaries to compare payments with each person's share and work out what needs to be reconciled.
Optional AI assistance
AI can help with statements. Your core calculations stay deterministic.
Household Saga uses AI as an optional helper for specific tasks, rather than relying on AI to calculate your household finances.
Import CSV transactions
Parse CSV transaction files in your browser to help bring statement data into your expense and income tracking.
Get help with XLSX and PDF statements
An optional AI helper can assist with parsing XLSX and PDF statements into transactions.
Keep financial calculations consistent
Budgets, expense splits, balances, and settlements are calculated by the application using deterministic rules.
From setup to settled household expenses
Set up
Create your personal finances, then create or join a household and invite the people you share expenses with.
Decide what is shared
Add household expenses, choose categories, and decide how costs should be divided.
Track
Maintain your expenses, income, recurring transactions, payment accounts, and budgets.
Settle
Review household balances and reconcile shared expenses on your preferred schedule.
Before you get started
Household Saga features: frequently asked questions
Practical answers about managing personal finances, shared expenses, household budgets, and settlements.
Can I manage personal finances without sharing them with my household?
Yes. Household Saga separates personal finances from household finances. You can track your own income, expenses, budgets, payment accounts, and spending without giving other household members access to your personal financial information. Only the finances that belong to the household need to be managed as shared finances.
Do we need a joint bank account to manage shared expenses?
No. Household Saga is financial-management software, not a bank account. You can continue using your existing payment accounts while recording shared expenses, tracking who paid, managing household budgets, and reconciling balances. A joint bank account is not required to organize your household finances.
Can we split expenses differently instead of always going 50/50?
Yes. Shared expenses use an equal split by default, but you can override the split for individual expenses when your household has agreed on a different arrangement. This lets you handle expenses individually without requiring every cost to follow the same split.
How do I know who paid, who owes what, and what needs to be settled?
Record shared expenses and the person who paid. Household balances and settlement summaries let you compare payments with each person's share and identify what needs to be reconciled. You can organize settlements on a weekly, monthly, or yearly schedule rather than treating every shared purchase as an isolated calculation.
Can I create separate personal and household budgets?
Yes. You can create budgets for personal and household categories, with weekly, monthly, or yearly budget periods. Track how much of each budget has been used while keeping your own spending separate from the costs you manage together. This helps you plan shared household expenses without having to combine all your financial goals.
Can Household Saga track recurring bills and expenses?
Yes. You can track one-time and recurring transactions and distinguish personal spending from household expenses. Keeping recurring costs organized alongside budgets and other transactions helps you understand your regular financial commitments and review household spending over time.
How does Household Saga handle expenses paid through credit accounts?
Household Saga distinguishes when an expense is incurred from when a payment actually moves money. This matters when you use a credit account: the expense and the later payment are different events. Tracking that distinction helps you understand spending and cash flow without confusing an expense with the movement of money used to pay for it.
Can I import transactions from bank statements?
CSV transaction files can be parsed in your browser. If you need to work with XLSX or PDF statements, an optional AI helper can assist with parsing those files into transactions for expenses and income. The AI helper is optional; it is not required for the application's core budgeting, expense-splitting, balance, and settlement calculations.
Does AI calculate my budgets, expense splits, or settlement balances?
No. Household Saga uses deterministic application logic for its core financial calculations, including budgets, expense splits, balances, and settlements. AI is optional and is used for specific assistance, such as parsing XLSX and PDF financial statements into transactions. Keeping these responsibilities separate means core calculations do not depend on an AI-generated answer.
Can I use Household Saga on my own before inviting anyone?
Yes. You can start by managing your personal finances and add a household when you are ready to organize shared expenses. You do not need to begin by setting up every household member or making all your finances shared.
Is Household Saga only for couples?
No. Household Saga is organized around personal finances and shared household finances, making it suitable for couples, families, roommates, and other households that share expenses. The important distinction is between the costs people manage together and the personal finances they want to keep separate.
Is Household Saga free, and do I need a credit card?
Household Saga is currently free during active development, with no credit card required. Visit the pricing page for the current pricing information.
Get your household finances organized.
Start with your own finances, add shared expenses when you need to, and keep track of your household together.