Personal finance, finally built for two.
Don't know where to start? We got you.
Deciding to manage your money together is a big step and it can feel daunting. JoyFi guides you through it step by step with no spreadsheets and no stress. If you've ever used TurboTax, you'll feel right at home.
The future feels clearer when you build it together.
Yours, mine, and ours made simple.
When you link your accounts you can mark what's personal and what's shared. Managing money together shouldn't mean giving up your independence.
JoyFi gives you full transparency for all account balances while keeping your personal day-to-day spending private.
See the full picture of your finances.
JoyFi tracks all your shared and personal assets and debts in one clear view, so you always know your combined net worth and how it’s changing over time.
Understanding your full picture is the first step to building the future you both want.
What couples are saying
Engaged Couple
"When we got engaged we wanted to get serious about managing our finances together and had no idea how to start. So glad we found this app it helped us get started and helps us stay on the same page."
Married Couple
"NO MORE SPREADSHEETS! Yes yes yes."
Married Couple
"We really like how you can set different sharing levels on your accounts. Just because we are managing finances together doesn't mean my husband needs to see every single personal purchase I make. At the same time I'm not trying to hide anything either. The app strikes the right balance for us."
Married Couple
"We love using JoyFi we've tried other tools out there that claim they are for couples but it felt like the 'couple' part was an afterthought."
Your future together starts here
Just got engaged?
Getting engaged is an exciting milestone and the perfect moment to start building a strong foundation for your future together. Starting early helps you stay aligned on your goals and avoid surprises later on.
JoyFi helps you see your finances side by side, understand what’s shared and what's personal, and build a plan that sets you both up for the future.
Just married?
Getting married means bringing your lives together in new ways, including how you handle money. Now's the perfect time to get clear on what's shared, what's personal, and how your finances work best as a team.
JoyFi helps you stay aligned as you merge accounts, set shared goals, and create a plan that supports the life you’re building together.
Just moved in together?
Sharing a home often means sharing expenses, goals, and new responsibilities. It's the perfect time to get on the same page about money and start building good habits together.
JoyFi helps you stay organized as you track spending, set boundaries between personal and shared finances, and plan for what's next whether that's a trip, a pet, or your first big purchase as a team.
Start building your financial plan together
.png)
1. Create your account
Create your JoyFi account and answer a few quick questions so we can tailor your experience. When you're ready you can invite your partner to join via email. You'll each have your own login, but collaborate in the same space.
2. Build your plan
Walk through our guided Plan Builder to enter your income, expenses, and goals. JoyFi calculates fair contributions automatically and creates a plan you both feel good about (no spreadsheets required).
3. Link your bank accounts
Securely link your bank accounts so JoyFi can track your progress and show your full financial picture including personal and shared accounts. You'll see your joint net worth, monthly cash flow, and how you're doing against your plan in real time.
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 14-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?
Most money apps are built for solo use, then awkwardly adapted for couples. JoyFi is different because it was built for two people from day one. That focus means every feature, from shared accounts to flexible permissions, is designed with both partners in mind, creating a smoother and more intuitive experience you won't find in traditional finance apps. It's not just another budgeting app; it's a shared space to plan, stay aligned, and build your financial future together.
How does JoyFi connect to my bank account securely?
JoyFi uses Plaid, a trusted industry leader, to securely connect your bank accounts. Plaid enables encrypted, read-only access to your financial data, just like they do for apps like Venmo and Chime. JoyFi never sees or stores your bank login credentials, and your data is always protected with bank-level encryption. You’re in control every step of the way.
We're not newly engaged or married. Can JoyFi still help us?
Absolutely. While JoyFi is perfect for couples who are just starting to manage money together, it’s designed to work for any stage of a relationship. Whether you're living together, married, or have been sharing finances for years, JoyFi helps you stay aligned with full transparency, a shared view of your accounts, and one place to plan your future together.
Is there a JoyFi mobile app?
There isn't a JoyFi mobile app right now, but it's something we're exploring for the future. You can still use JoyFi from your phone's browser since it's mobile-friendly, though desktop gives you the best experience for now. If having a mobile app is something you'd love to see, we'd love to hear from you at feedback@getjoyfi.com.
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.
Can I set up JoyFi by myself, or should we start together?
You can absolutely get started on your own. Feel free to start building your plan, even if you don't have every detail yet, you can always make changes later. When you're ready, you can invite your partner to join and pick up right where you left off.