Sharing

Yes, in three different shapes depending on who it is.

A PARTNER shares fully and both ways: you both see and edit the same accounts, transactions, budgets and goals, and every shared transaction records who added it.

FAMILY gets a read-only summary you control — net worth, income, goals, bills, trends, or only the categories you choose.

FRIENDS see only the specific numbers you put in a scorecard, and nothing else.

All three run through your own iCloud, so nothing passes through us. Open the sidebar → Family & Sharing to start. Anything you keep private is removed from their device on the next sync rather than simply going stale, and business money is never shared at all.

A partner gets full two-way access: you both see and edit the same accounts, transactions, budgets and goals. Family gets a read-only summary you control. Friends see only the specific numbers you choose to put in a scorecard. They're separate, and joining one doesn't join you to the others.

Open the sidebar → Family & Sharing, and send an invitation. They accept on their device and the two of you are joined through your own iCloud — there is no account on our side and nothing passes through our servers.

Yes. Any category, account, bill, investment account, mortgage, retirement plan, goal or single transaction can be kept private. Making something private also removes the copy already on their device on the next sync — it doesn't merely stop updating it.

Only if you hand it over. Your earlier history stays yours by default, and there's a switch to share it — useful when one of you is new to the app and the other has years of it. A month they already have is never counted twice.

Combine Finances walks it once: choose which accounts belong to the household, and for any category you both tracked, choose which budget to keep. It's a single pass rather than a merge that guesses.

Yes. Every shared transaction shows who added it, and the month's spending splits into a column for each of you plus one for shared household spending — rather than one lump you have to untangle.

Rent, utilities, groceries, insurance and the like start out as shared, because they usually are. Everything else starts personal, and any category or single transaction can be changed at any time.

Yes — each of you gets a color and a picture, and they follow you onto every screen: the split bar, the activity feed and the notes board. Colors and pictures are set on your own device.

The shared copy is removed from their device. Anything you entered stays yours, and anything they entered stays theirs — neither of you is left holding half of the other's ledger.

No, and it is enforced rather than assumed. Business transactions, business accounts and business clients are excluded from everything a household partner receives — not sent and then hidden, never sent.

That holds the other way too: a partner's household view cannot reveal what a client paid you or what a job cost.

If something is genuinely both — a phone bill that is half work — split it by percentage. Only the personal share reaches the household side, and only the business share reaches the Schedule C figure.