Families & parents

A household can sit in its own workspace next to a personal one — for example Personal and Household. Spending in that workspace uses the same categories and transaction list. Inviting another login into the workspace is a separate Premium feature.

How it helps

Separate workspaces

Free includes 1 workspace. Basic includes up to 3, such as Personal, Household, or Business. Each workspace has its own accounts and its own net worth forecast. Team seats — another person’s login — are on Premium, up to 5.

Household spending

Record transactions in the household workspace and review spending by category. Categories are on Free. This is one workspace’s ledger, not a shared login.

Net worth forecast

Each workspace has a net worth forecast from the accounts in that workspace. The forecast is on Free and available on demand.

Budgets

Category budgets are on Basic. Recurring bills can be added once an account exists; they are not a separate paid list. The cash-flow forecast that projects income and those bills is on Basic.

Getting started

Add accounts by hand

Add checking, savings, cards, and loans yourself. Free includes up to 5 accounts. Bank linking is not on Free.

See the net worth forecast

The net worth forecast projects the accounts you added. It is available on demand on Free.

Set up categories

Categorize transactions. The Categories view lists spending by category and is included on Free.

Budgets and the cash-flow forecast are on Basic.

When you're facing a big choice

Rent vs. Buy compares the cost of renting and buying over a horizon you set. You can run the comparison on Free. Saving it is on Basic. Set up home purchase — property, loan, and housing costs — is on Basic after that comparison. It is not a public page; it opens after you sign in.

• Rent vs. Buy

Start with the accounts you have

Add accounts by hand and see a net worth forecast on Free with Fiscal Flowcast. Budgets and a cash-flow forecast are on Basic.