Sharing your account with your Spouse

One account, two people. Family Sharing lets you invite your Spouse to see everything in your account: every account, balance, transaction, budget and goal. They get a login of their own. You never share your password, and you decide whether they can change things or only look.

Inviting your Spouse

Go to Settings → Family Sharing → Invite your Spouse. Enter the email address they’ll log in with, and choose what they can do:

• Full Edit: they can add and change anything in your account, except banks and account alerts. This lets them change real money records, so choosing it asks for your password (and your authenticator app’s code, if you use one).
• Read Only: they can see everything and change nothing. Our database itself blocks the change, not just the screen.

They get an email with a link. The invitation ends after 14 days. You can resend or cancel it from the same page.

Accepting

The link opens in Above Money. Your Spouse logs in, or makes a login with the email address you invited, and lands on the invitation. Two things must be true before they can accept:

• Two-factor sign-in is set up. Every Spouse uses it, because they’re looking at someone else’s money. It can be an authenticator app, or Email codes if they’d rather not install one. The invitation page sends them to set it up and brings them straight back.
• Their login has nothing of its own. A Spouse sees your account instead of one of their own. So a login that already has accounts, rules or a bank can’t accept. If that happens, invite a different email address. Then your Spouse makes a new login with that email.

Once they accept, every page they open shows your account, under a banner that says so. You get an email that they joined.

What stays yours alone

Whatever you choose, only you can connect, reconnect or remove a bank. Only you set account alerts. A Spouse sees the banks you connected, but never the keys behind them.

Your Spouse’s own login, two-factor, theme, time zone and log-out timer stay theirs. Those are about the person, not the account. So is the choice of which accounts Home shows above its budget card. Each of you picks your own with Choose, at the top of Home. A Spouse with Read Only access can too. Neither choice changes the other person’s Home.

Changing your mind

Both are one click on Settings → Family Sharing. You can switch your Spouse between Full Edit and Read Only. Switching to Full Edit asks for your password again. Or you can press Remove Spouse. Their login keeps working, but it stops showing your account. Your Spouse can leave from the same page. You both get an email when sharing starts, changes or ends.

Deleting an account

You can’t delete your account while you have a Spouse or an invitation is pending. Remove your Spouse or cancel the invitation first, then delete. If your Spouse deletes their own login, they leave your account first, on their own, and we tell you by email.

The longer version

Our Privacy Policy describes what we record about sharing and who can see what. The Security page explains how our database makes sure of it. For what we hold about you in general, see What we hold about you.