One net position: Carpe Money for couples and households
How two people share one budget in Carpe Money: shared alert rules, one net position, every account in view — and no one hands over a bank login.
Money is easier to talk about when you are both looking at the same number.
That is the idea behind a household in Carpe Money. You invite your partner, and from then on you share one net position and the same alert rules, with every account in view. Not two apps stitched together, and not a screenshot sent across the kitchen table. One picture, both of you looking at it.
What "one net position" means
A net position is where you stand once everything is counted: what is in the accounts, less what is owed. In a household, it is a single figure for the two of you rather than two mental sums compared at the end of the month. A joint account, a personal one, a card kept for work — connect whichever accounts you want in view, and they add up in one place.
Limits you agree on
Alerts are where a household gets useful. You set a limit on a category, on one account, or on everything, over a span of time. Carpe Money checks it daily and emails you before you cross it — not after.
Because you share the rules, the limit is something you decided together. It is not one person's private rulebook, and it is not a surprise at the end of the month.
Who gets the report
Every alert sends its own email report, and it says plainly which rule was crossed and by how much. You choose who receives it: just you, your partner, or the whole household. Recipients never have to log in. The report arrives in an ordinary inbox, and they can read it and get on with their day.
There are daily, weekly, or monthly summaries too, if either of you prefers the longer view.
No one hands over a login
This is the part people ask about first.
Your bank connection is read-only. You sign in at your bank, and your credentials go to your bank, never to Carpe Money. The connection can fetch balances and transactions so a limit can be checked. It cannot move money — that was never part of it. So nobody has to hand over a bank login, because there is nothing to hand over.
And to read the alert reports, no one needs to log in at all — including the person who would rather not have another password in their life.
Where the data lives
Balances and transactions are fetched live and never stored on Carpe Money's servers. They live only on your device. Accounts you enter by hand are stored encrypted so they can sync between your devices, and only you can read them. Your data is never sold. You're the customer, not the product.
What a household is not
It is not a reason to merge anything. You connect the accounts you want in the picture; anything you leave out simply stays out of it. If the two of you keep your money separate and that arrangement works, keep it.
Carpe Money will not tell you who should pay for what, either. It sets the limits you choose and sends a heads-up when one is close. The decisions stay yours.
If it sounds useful, start with a single rule — the category where a surprise would annoy you both. Groceries, eating out, the pile of subscriptions. Set the limit, add each other to the report, and see how the first month reads. Nothing is fixed in place; change the rule whenever you like.
The pricing is on the site, stated plainly: see the pricing.
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