Solutions
Household budgeting
Household budgeting is the practice of planning and tracking a home's combined income, bills, and savings as one shared budget. In Nethaven, two partners join a single household, add accounts, and see spending against plan together, each with their own login.
One budget, two incomes, separate logins
Nethaven lets each partner sign in with their own credentials and contribute to the same budget categories and limits. Add bank and credit accounts manually, import transactions from CSV, or scan receipts and screenshots to bring spending into the shared picture. Nethaven bank sync is not yet available.
Split the work, not the visibility
Either partner can categorize a transaction, set a spending limit, or check progress on a category from their own phone. Review transactions together to keep the household budget useful. Nethaven transaction rules are not yet available.
Beyond the monthly budget
A household budget is only useful if it connects to the bigger picture. In Nethaven, the same dashboard that tracks this month's spending also tracks the family's net worth, debt payoff, and shared savings goals, an emergency fund, a house deposit, a holiday. You can see how staying under budget this month moves the savings goal forward, because goals are funded from real cash flow rather than wishful estimates. That continuity is what separates a budget that survives past January from one that gets abandoned: every category does double duty as both a spending guardrail and a contribution toward what the household is actually saving for.
How a shared household budget works in Nethaven
| Step | What each partner does | What the household sees |
|---|---|---|
| 1. Join the household | Sign in with your own login, accept the household invite | Both partners in one organization, separate credentials |
| 2. Add accounts | Add bank and credit accounts manually | Combined balances across both incomes |
| 3. Set categories & limits | Agree on budget categories and monthly limits | One shared plan, not two spreadsheets |
| 4. Review together | Categorize and review transactions | Live spending vs. budget, visible to both |
| 5. Fund goals | Direct leftover cash flow to shared savings goals | Net worth and goals updating from the same data |
Related features & tools
Budgeting
Set category limits, review transactions, and see spending against your monthly plan.
Accounts
Create manual accounts for your finances and organize transactions and portfolio assets in Nethaven. Bank sync is not yet available.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants, and savings with the 50/30/20 rule. Free budget calculator - automate it in Nethaven.
Savings Goal Calculator
Find how much to save each month to hit your goal by a target date, with interest. Free savings goal calculator - track progress in Nethaven.
FAQ
Questions before you start
Free to download
Make Nethaven work for you
Set it up for your household, your side income, or your portfolio, then run it from iOS, Android, or the browser.
Not financial, tax, or investment advice. Data sync depends on institution availability; see in-app connection flows for brokerages supported in your region.