For families
One set of books, and nobody sees more than you meant
A family budgeting app where every account has its own privacy setting.
Invite your partner and up to five people in all. Every account you connect is yours, and you choose per account who in the household can see it.
Free to start · No card required · Read-only bank connections
Three levels, per account
Just me, Adults, or Everyone. The joint checking can be shared with your partner without the children ever seeing it.
Hidden means absent
A private account is not greyed out for the others — it is not there at all. No row, no total, no count, no hint it exists.
Children see their own
A dependent sees their own card and whatever is marked Everyone. They never see another child's spending; the adults see theirs.
The joint account counts once
If you both link the same bank, the shared account is recognised rather than imported twice, so your totals stay honest.
Whose money, at a glance
Filter the dashboard, the wheel and the reports by person, alongside the personal and business split.
The household's bills, together
Recurring bills and the calendar are drawn from every shared account, so the month ahead is one list.
Comparing family budget apps? MoneyWheel vs. Rocket Money, Monarch, YNAB and Copilot
Three steps
- 1
Create your account
Name, email, a verified code, a password. No card.
- 2
Connect your banks
Checking, savings, credit cards and brokerages link through Plaid. Anything it cannot reach you can add by hand.
- 3
Invite your household, choose who sees what
Invite up to five people as adults or dependents, then set each account to Just me, Adults or Everyone.
Pricing
Free
$0
Free forever, not a trial
- Connect up to 3 banks and credit cards
- 3 months of transaction history
- Unlimited accounts you enter yourself
- Recurring income and bills, detected for you
Family
$9.99/mo
$100/yr paid yearly · $8.33/mo
- Up to five people on one subscription
- Adult and dependent roles you set when you invite
- Bank connections stay owned by whoever made them
Plus, Family and Business start with 21 days free, and ask for no card until the trial ends. Free never expires.
Read-only, and yours to delete
MoneyWheel will see your transactions. It will never be able to move your money, and it will never see your bank password.
Bank connections through Plaid
You log in at your bank inside Plaid, not here. The connection is read-only, and your bank password never reaches us.
Bank credentials sealed at rest
The tokens that reach your bank, and two-factor secrets, are encrypted at rest with AES-256-GCM. Passwords are never kept, only a slow scrypt hash of them.
Two-factor authentication
Turn on an authenticator app with recovery codes, from Settings. Sessions time out when idle, and changing your password signs every other device out.
Delete everything, any time
One control in Settings removes your accounts, transactions and login.
Questions people ask
Can my partner see everything?
Only what you share. Each account you connect is set to Just me, Adults or Everyone. A Just me account does not show for anyone else at all: no row, no total, no hint it exists. Your partner's accounts work the same way, set by them.
How do kids' accounts work?
A child joins as a dependent, invited by an adult in the household, with a login of their own. They see their own accounts and whatever is marked Everyone, never an account shared only with the adults and never a brother's or sister's. The adults see a dependent's accounts, and a dependent's spending stays out of the household totals unless you include it. MoneyWheel is not for children under 13; dependent membership is meant for teenagers.
What if we already have a joint account?
Link it once and share it with Adults. If you each link the same bank anyway, MoneyWheel recognises the shared account instead of importing it twice, so your totals stay honest.
Can I try it before inviting anyone?
Yes. Start on Free by yourself, connect your accounts and look around. Inviting someone needs the Family plan, which starts with 21 days free and asks for no card until the trial ends.
Is it safe to connect my bank?
Yes. You sign in to your bank inside Plaid, never on MoneyWheel, so your bank password never reaches us. The connection is read-only: MoneyWheel can see balances and transactions, but it cannot move money. The token Plaid hands back is encrypted before it is stored, and disconnecting a bank revokes it at Plaid as well.
Which banks are supported?
Banks, credit unions and card issuers in the United States that connect through Plaid, whose network spans over 12,000 financial institutions. Search for yours when you connect. An account Plaid cannot reach can still be added by hand and kept up to date yourself, on every plan.
What happens when the trial ends?
Plus, Family and Business start with 21 days free (60 for nonprofits), and no card is asked for. Pick a plan before the trial ends and it carries on. If you don't, nothing is charged: the account moves to Free on its own and nothing is deleted. Every transaction stays, Free shows the latest 3 months, and upgrading brings the rest back into view. Free itself never expires.
Share the books, keep what is yours
Start free on your own. Add Family when you're ready to invite someone — the first 21 days are free.
Get started free