Demo — sample data, not a real household.·Signed in as Maya see it as Nora

Accounts

What each account holds.

Household — Joint Checking

$2,530.05

$74.12 pending — $2,604.17 posted
as of 10/14

Yours — Maya Checking

$1,318.49

as of 10/14

Nora's checking

$1,742.86

Balances, income and contributions cross the wall. Transactions, merchants and categories do not — in either direction.

Set up and mapping
6 accounts · 2 to check owners · rates · nicknames

Nora's accounts

Checking $1,742.86
Credit −$1,106.22
Together $1,742.86
Northline Bank, Rivermark Credit Union has more than one account here. Two logins at the same bank can come back with the same name. Check the balance and the last few transactions against the real app before you assign each one — getting this backwards is silent, and it would put one person's spending in the other's view.
Juniper Card detail shared both ways
Juniper Card · Juniper Signature Card −$4,182.63
Last three 10/14/26 · STREAMLINE PLUS −$18.99
10/14/26 · MERCATO ONLINE −$32.84
10/13/26 · PETWELL SUPPLY −$38.88
Confirmed 04/01/26

If the card is linked, paying it off is a transfer — the spending already counted at the swipe. If it isn't linked, that payment is the only record the money left, so it counts as spending.

%

At that rate, the part of this balance that bears it costs about $83.62 a month to carry.

$

Miss a deferred-interest deadline and the bank charges ALL the interest, back-dated. The app holds payments back from this slice — it costs nothing to owe until then — and will warn as the date closes in.

$

The plan never schedules less than this. It moves with the balance, so update it when the statement does.

Home Loan
Lakebend Home Loans · Home Loan −$231,480.54
Last three none yet
Confirmed 04/01/26

If the card is linked, paying it off is a transfer — the spending already counted at the swipe. If it isn't linked, that payment is the only record the money left, so it counts as spending.

%
$

Miss a deferred-interest deadline and the bank charges ALL the interest, back-dated. The app holds payments back from this slice — it costs nothing to owe until then — and will warn as the date closes in.

$

The plan never schedules less than this. It moves with the balance, so update it when the statement does.

Maya Blue shared institution
Northline Bank · Blue Rewards Card −$1,463.57
Last three 10/14/26 · TACO TIER −$37.41
10/11/26 · TACO TIER −$34.36
10/08/26 · RAILYARD RIDESHARE −$18.71
Confirmed 04/01/26

If the card is linked, paying it off is a transfer — the spending already counted at the swipe. If it isn't linked, that payment is the only record the money left, so it counts as spending.

%

At that rate, the part of this balance that bears it costs about $26.21 a month to carry.

$

Miss a deferred-interest deadline and the bank charges ALL the interest, back-dated. The app holds payments back from this slice — it costs nothing to owe until then — and will warn as the date closes in.

$

The plan never schedules less than this. It moves with the balance, so update it when the statement does.

Maya Checking shared institution
Northline Bank · Everyday Checking $1,318.49
Last three 10/07/26 · NORTHLINE CARD PMT −$500.00
10/04/26 · DEPOT HARDWARE −$31.89
10/02/26 · BRIGHTLEAF LOGISTICS PAYROLL $289.00
Confirmed 04/01/26

If the card is linked, paying it off is a transfer — the spending already counted at the swipe. If it isn't linked, that payment is the only record the money left, so it counts as spending.

%
$

Miss a deferred-interest deadline and the bank charges ALL the interest, back-dated. The app holds payments back from this slice — it costs nothing to owe until then — and will warn as the date closes in.

$

The plan never schedules less than this. It moves with the balance, so update it when the statement does.

Joint Checking shared institution
Rivermark Credit Union · Joint Checking $2,604.17
Last three 10/14/26 · QUICKSTOP 441 −$11.21
10/14/26 · GULFLINE FUEL 0042 −$40.56
10/13/26 · FERNHILL MARKET #214 −$74.12
Confirmed 04/01/26

If the card is linked, paying it off is a transfer — the spending already counted at the swipe. If it isn't linked, that payment is the only record the money left, so it counts as spending.

%
$

Miss a deferred-interest deadline and the bank charges ALL the interest, back-dated. The app holds payments back from this slice — it costs nothing to owe until then — and will warn as the date closes in.

$

The plan never schedules less than this. It moves with the balance, so update it when the statement does.

Rainy Day shared institution
Rivermark Credit Union · Rainy Day Savings $6,418.92
Last three 10/02/26 · Transfer from Joint Checking $225.00
09/02/26 · Transfer from Joint Checking $225.00
07/31/26 · Transfer from Joint Checking $225.00
Confirmed 04/01/26

If the card is linked, paying it off is a transfer — the spending already counted at the swipe. If it isn't linked, that payment is the only record the money left, so it counts as spending.

%
$

Miss a deferred-interest deadline and the bank charges ALL the interest, back-dated. The app holds payments back from this slice — it costs nothing to owe until then — and will warn as the date closes in.

$

The plan never schedules less than this. It moves with the balance, so update it when the statement does.