Family Budget Tracker: Couples

Family Budget Tracker is a shared family budget for couples and households. Instead of one person updating a spreadsheet, the whole family works from one budget planner that fills itself in, so you both know what is safe to spend before your next paycheck.

No bank login needed
Your transactions come in from the bank notifications already on your phone, a statement PDF shared from your banking app, a Google Drive folder you choose, a CSV file or a YNAB export. You never hand over your online banking password.

Budget by paycheck, not the 1st
Set your payday and the budget follows your pay cycle, monthly, every two weeks or weekly. Safe to Spend shows what is left until your next paycheck, and Predict fills in the salary, mortgage and autopay bills that are due but have not arrived yet.

One shared budget for the household
Invite your partner and up to five family members on Premium Family. Shared envelopes cover the joint bills, groceries and the holiday, everyone sees the same numbers, and you can filter any screen by member.

Track spending and bills
A clear expense tracker for every account: categories, merchants, subscriptions and bills, with a recurring payments list that shows the next date each one goes out. Add a transaction by voice when you are too busy to type.

Reports that answer where your pay went
See spending by category and by store for each pay cycle, compare it with your last six pay cycles, watch your spending pace, and follow your net worth over time. Export to CSV or PDF.

Savings goals, mortgage and investments
Savings goals backed by real transfers to your savings accounts, a mortgage tracker with your rate end date and overpayment scenarios, and read-only investment tracking for your brokerage and retirement accounts.

Getting started
Sign in with Google or GitHub, or with an existing Family Budget Tracker account. New accounts start with a free 30 day Premium Family trial, no card needed. The Google Play app does not sell subscriptions or take payments.

Notification access, SMS transaction sync, microphone access, push notifications and Google Drive integration are optional. SMS sync checks new messages on the device and processes transaction-like alerts only from sender IDs the user approves. Common OTP and security-message patterns are filtered on the device, but no filter is perfect. Users can disable SMS sync, remove approved senders, or revoke Android SMS permission. Ordinary budgeting and manual transaction entry remain available without SMS sync.

Family Budget Tracker does not provide banking services, move money, make investments, offer loans or give financial advice.

Recent changes:
Every screen now opens straight onto your last numbers, even after the app was fully closed, and updates them quietly.
Switching between family members shows that person's numbers at once.
Opening the app takes you to your Dashboard, not Notifications, unless you tapped a notification.
Loading looks the same on every screen.