Which financial setup is right for our group?

Start with the Free One household account when everyone uses one shared budget. Family and personal accounts is a limited Plus preview for shared household planning alongside private individual ledgers. Shared-expenses group is a limited Family preview for housemates or friends who track purchases and settle balances without pooled income. Plus and Family checkout is not yet available.

Can partners keep personal spending private?

Yes, in the Family and personal accounts model. Each person's Personal ledger is private to that signed-in user. Shared Family records remain available only to people who have Finance visibility and access in the group.

Does LoopUsIn move money when a settlement is recorded?

No. LoopUsIn calculates balances and records the agreed settlement in the ledger. The group completes any bank transfer or payment outside the app.

How does recurring income work?

A recurring income rule creates an expected Income Source when you plan an eligible month. It does not create a cash transaction. Mark received only when the payment arrives to create the actual income entry.

Can a completed grocery trip update our budget?

Yes, when the household chooses to log the completed trip and maps it to a budget category. It is an optional, reviewable action rather than an automatic charge for every grocery trip.

Household budgeting and shared expenses

Plan, share, and settle money in the way your household already works.

LoopUsIn gives couples, families, housemates, and friends a clear monthly money workspace without forcing every group into the same account model.

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Three ways to manage group money Actual income stays explicit Settlements never move money

Example monthly view

Family and personal month

Example only

Expected personal income

Planned

Family + Personal view

In view

Bill Split when needed

Tracked

A shared Family plan plus private Personal ledgers, itemised Family commitments, and Bill Splits for out-of-pocket shared purchases.

Choose your financial setup

One Finance feature, three honest operating models.

Start with the Free household model available now. Plus and Family models are limited previews; paid checkout is not yet available.

Shared plan + private ledgers

Plus

What this model means

A shared Family plan plus private Personal ledgers, itemised Family commitments, and Bill Splits for out-of-pocket shared purchases.

Limited preview · checkout unavailable

1Plan the Family month and itemise each member's Family commitment.
2Keep direct Personal income and spending in the owner's private ledger.
3Use Bill Splits only for shared purchases paid out of pocket.

Interactive example

Try the monthly flow before you commit.

Choose a model, plan a safe example, and follow the real distinction between an expected amount and an actual transaction.

Interactive Financials walkthrough

This is a safe illustration. It does not read or write any real group, budget, or transaction.

Interactive finance walkthrough

Choose a model and try its monthly flow. This example never changes your real finances.

Safe example

One category total, with two sources

Your Personal Groceries row combines your Family share and your direct Personal purchase; it does not create duplicate categories.

Family Joint

Groceries planned

€0.00

Your agreed share is €0.00.

My Personal · Groceries

Family commitment€0.00

My direct cost€0.00

Unified actual€0.00

Bill Splits stay separate: an out-of-pocket shared purchase is first shown at the payer's full amount, then adjusted to their agreed share after settlement. LoopUsIn records the agreed settlement; it never moves money.

Plan, track, review, settle

A clear monthly money workflow.

The available screens adapt to your operating model, but the recordkeeping principles stay clear and auditable.

Plan with intent

Set expected income, recurring bills, and category budgets for an upcoming month.

Confirm actual income

Expected recurring income becomes actual only after the payment is marked received.

Track the right ledger

Review the shared Family ledger, your private Personal ledger, or participant balances for your model.

Close shared balances

Calculate and record agreed settlements for shared purchases. LoopUsIn does not move money.

Clear access boundaries

Shared coordination without pretending every household shares everything.

Privacy and visibility follow the operating model and the group’s Finance access settings. That keeps the public explanation aligned with the ledger people actually use.

Family and personal accounts

Personal ledgers belong only to their signed-in owner. Shared Family records are available to members with Finance visibility and access.

One household account

The group coordinates one shared ledger. There are no Personal ledgers or Bill Split settlements in this model.

Shared-expenses group

Finance participant roles control who can view balances, add purchases, and record settlements. There is no pooled income ledger.

Questions answered plainly

Frequently asked questions

Choose a money model that fits the people in your group.

Start now with the Free shared household account. Plus and Family money models are limited previews, and paid checkout is not yet available.

Start with Free See the family budgeting workflow