Release 6/18/26: Household leaves Beta — two people, one financial view
Hey everyone, Ryan here.
We just took our Household feature out of Beta. The shared money view for you and your partner is now a, full part of Synx: either of you can edit, you share one set of tags, and a credit card you both use stops getting counted twice.
When we looked at how most apps handle couples and shared money, we kept seeing two approaches, both with real tradeoffs:
- The "merge everything" approach: You share one login, dump both your accounts into one pile, and give up any notion of a private "just mine" view. Convenient until you want one account to stay yours.
- The "read-only dashboard" approach: You get a combined picture, but only one person can actually categorize, tag, and tidy. So all the upkeep quietly lands on whichever partner cares most, and the numbers drift for everyone else.
We didn't love either. Synx takes a third path: the two of you keep separate logins and private accounts, but the shared view is real shared work, where either person can edit and the totals are honest.
Here is what you can do:
1. Either of you can keep things tidy
In the shared view, both partners can now change a category, add or remove tags, split a charge, flag it, add a note, or hide it, no matter whose account the charge lives on. During Beta only the account's owner could make those edits. Now it's a shared view and shared work.
2. One set of tags for the household
When you're in the shared view, you both pick from the same list of tags. If you each made a "Vacation" tag, they show up as one, so a charge never carries two near-identical labels and you don't have to remember whose tag is whose.
3. A card you share stops counting twice
If one of you is an authorized user on the other's credit card, that card shows up for both of you, and the same charges used to land in your household totals twice. Synx now spots these matched cards on its own. In Settings → Household, the Primary links them in one tap and picks whose spending they count as, and the duplicates quietly drop out of every total from then on.
4. Focus the Spend page on one person
The Spend by Member panel breaks your combined spending down person by person. Click anyone to pin the whole Spend page to just their charges: their categories, their trend, their total. Where did my half of this month actually go? Click them again, or the small × at the top, to return to the combined picture.
How to get started
Open Settings → Household on the web. If you already share a household, everything above is just on. If a shared credit card is involved, that's where the Primary links the matched cards and picks whose spending they count as.
New to Synx? We built Synx as a more economical, feature-rich alternative to Rocket Money or Monarch. Check out our previous update here or learn more at https://synxfinance.com. Our goal is to make it incredibly easy for you to manage your finances and without having to break your bank.
Who should really try this out?
If you and a partner currently split the mental load of money in a spreadsheet, or you pay for something like Monarch to do this and still can't both edit cleanly, this is for you. I built this on Plaid, and I built Household because it's the exact problem my wife and I have. I'm not building this to get rich or to chase a huge user count. I'm building it for me, and I'm hoping it's useful to somebody else too. Either way, it'll exist.