Personal finance, finally built for two.
Yours, mine, and ours made simple.
The best collaborative finance strategy blends total transparency with personal freedom.
Clearly see all your shared and individual assets without sacrificing the privacy of your day-to-day personal transactions.
It’s just easier when you can see it.
Build a shared plan for your income, spending, and savings—no spreadsheets, no stress. It’s visual, editable, and meant to evolve with you as life changes.
See exactly how money flows in, out, and toward your goals.
Joint clarity with personal space.
You each get your own login and a personalized view. See all account balances and your full joint net worth, without needing to see every transaction in your partner’s accounts.
It’s transparency where it counts—and privacy where it matters.
For every stage of partnership
For newlyweds
Start your next chapter with confidence. Combine finances with transparency, keeping shared and personal spending clear while working as a team. Build your solid financial foundation on day one.
For new parents
Prepare for your growing family’s future with peace of mind. Plan for new shared expenses and build savings together. Stay organized and be ready for this next exciting chapter.
For long-term partners
Ready to try something new? It's time to get organized and make some big plans. Set up a joint savings plan and stay on track to reach new goals together.
Get started in 3 simple steps
1. Create account
Create your account, fill in some information, and invite your partner. You each will have your own separate accounts.
2. Build your plan
Link your bank accounts and follow guided steps to capture your full financial picture, balancing savings with guilt-free spending.
3. Track progress
Track your spending, adjust as needed, and get monthly insights and recommendations to keep you on track.
Frequently Asked Questions
How much does it cost?
A JoyFi subscription is $15 per month which gives both you and your partner access. We offer a 30-day free trial to get started (no credit card required).
Why isn't this free like other personal finance apps or products?
JoyFi charges a subscription to keep your experience ad-free and to protect your data (i.e. we won't sell it to third-parties). As the saying goes: if you aren't the customer then you are the product. We believe in a fair, transparent business model where you are the customer and pay only if we deliver a product worth using.
How is this different from the other personal finance apps out there?
JoyFi is designed for modern couples, not just individual users. While most personal finance apps focus on solo budgeting, JoyFi embraces Collaborative Personal Finance—an approach that helps partners manage money together while still maintaining individual autonomy. With shared tools to plan, save, and track spending as a team, JoyFi makes it simple to stay on the same page financially—without giving up your independence.
Will my partner and I need to share an account?
No you will each have your own account so you can collaborate while also managing your individual accounts.