Shared Finances App
Joint financial management for couples, families, or households.
Money for two or more people who share some of it but not all of it. Joint bills, individual spending, who has paid what, and what is fair - without either party having to see everything the other buys.
What a v1 does5 features
- Joint and personal accounts kept visibly separate
- Shared bills split by whatever rule the household agrees
- A running balance of who owes whom
- Shared goals funded by both, tracked in one place
- Privacy controls, so personal spending stays personal
The market
Monarch has roughly 1.8M monthly users and YNAB about 1.4M, at $99.99 and $109 a year. Mint's closure left the largest gap in consumer finance and three paid products grew into it. This is costed at $12 a month.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Rocket Money | $880M+ saved for members | 10M+ members | Company-stated, 2025 |
| Monarch Money | $99.99–199 a year | ~1.8M monthly active users | Published pricing, 2026 |
| YNAB | $109 a year | ~1.4M monthly active users | Published pricing, 2026 |
Why this audience
Household money is a live subject for this audience: two incomes, joint bills, and different attitudes to spending. They are managing it in a shared note and an argument. Separating joint from personal without surveillance is the fix they can describe.
Before it can launch
- Open-banking access through Plaid
How the pricing works
One price per household covering both partners. Charging per person for a shared budget is the kind of detail that gets screenshotted.
What it earns
Drag me Every figure recalculates as you go.
0.0091% of 11M followers · capped at 50,000
Opens on the price this idea was costed at, $12.
1,000 paying — 0.0091% of 11M followers — × $12 a month = $12,000 a month
Fifty thousand paying users is the ceiling every one of these pages is drawn against, not a forecast. It opens at a thousand, the bottom of the range, so the first figures you see are the modest ones. What the cap buys is comparability: the same range on every app, and the percentage of the audience it takes as the number that moves.
Is this the one for your audience?
We fund it, build it, and run it. You bring the audience and take a share of the revenue. Nothing to pay and nothing to build.
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