Household Members
Add family members, assign accounts, and see individual spending while keeping your household finances unified.
Why Household Members?
Managing household finances with a partner or family often means navigating a mix of personal and shared accounts. You might have your own credit card, your partner might have theirs, and then there's the joint checking account for household expenses.
Household Members lets you see everything together while still understanding who is spending what. It's the best of both worlds: unified visibility with individual accountability.
How It Works
The concept is simple: each account belongs to a specific household member or is designated as "Joint."
Add Members
Go to Settings → Household to add up to 4 members. Each gets a unique color for easy identification across the app.
Assign Accounts
When adding or editing a member, select which accounts belong to them. Unassigned accounts remain "Joint" and appear for everyone.
Filter Your View
Tap any member's avatar in the header to filter the view to just their accounts and transactions. Tap "Household" to see everything.
What Gets Filtered
When you select a specific member, some views filter to show only their data, while others remain household-level:
Filtered by Member
Always Household
This design reflects how household finances actually work: your Safe to Spend and Net Worth are shared resources, but who spent what can be tracked individually.
Use Cases
Couples
See combined finances while still tracking individual credit cards. Understand who's spending more on dining out without judgment—just awareness.
Families
Track a teen's spending card to help them learn financial responsibility while keeping the household budget unified.
Roommates
Manage shared expenses while keeping personal finances visible only to each person. Great for splitting rent and utilities.
Privacy Note: Household Members is a labeling system within your single Luna account—it doesn't create separate logins. All members with access to your account can see all household data. For true data separation, each person should have their own Luna account.