A family budget without the spreadsheet

One shared sheet turns into an argument. Spendella keeps a joint limit and personal accounts apart — switch with one tap.

Create a shared budget

Where to start

Each person keeps their own accounts. Then you create a shared budget for something like Groceries or Kids and invite the other person. Personal spend stays personal.

Roles decide who can change the limit and who can only spend.
The breakdown shows who already drew from the shared pot.
A personal workspace stays personal — switch when you need it.

What to review every week

Not “we are in the red again”, but the actual shift: weekend delivery, subscriptions hanging on the joint card. Full can write that in prose; Basic shows the same numbers in analytics.

Shared budgets start on Extended.
Full adds extra workspaces if there are two households or a sole trader.
Statement import saves the evening that used to go into the sheet.

Updated 14 August 2026