Features
Everything you need for household finance
CSV import from any bank, shared budgets, monthly reviews, multi-currency tracking, and savings goals. Built for UK couples who want to manage money together — without merging accounts or sharing bank logins.
Import & Data
Get your bank data in without sharing credentials. CSV-first means privacy-first.
CSV Import from Any UK Bank
Export a CSV from your bank and upload it. Your raw data is processed entirely in your browser and never sent to any server.
Auto-Detection for 12 Banks
Automatic format recognition for Nationwide, Barclays, HSBC, Revolut, Monzo, Wise, Starling, NatWest, Lloyds, Chase UK, and more. Manual mapping for any bank that exports CSV.
Smart Auto-Categorisation
60+ built-in categorisation rules for common UK merchants. Tesco, Sainsburys, Council Tax — all recognised automatically.
Duplicate Detection
Fuzzy matching detects duplicate transactions across imports. Date proximity, amount tolerance, and description similarity scoring.
Multi-Currency for International Households
GBP, EUR, and RON with automatic exchange rate conversion. Import from UK banks and foreign banks alike. Original amounts preserved alongside GBP equivalents — perfect for expat families.
Budgeting & Organisation
Structure your spending with categories, budgets, and projects tailored for UK households.
48 UK-Specific Categories
Pre-built categories covering everything from Council Tax to Childcare. Organised into Income, Essential, Lifestyle, and Savings types.
Custom Categories & Types
Add your own categories and create custom category types to organise spending your way. Plus plan includes unlimited custom types.
Monthly Budgets
Set budget targets per category per month. Track progress with on-track, approaching, and over-budget indicators.
Budget Rollover
Unspent budget carries forward to the next month automatically. Configurable per category with chain rollover support.
Budget Alerts
Dashboard banner and post-import toast alerts when categories approach or exceed their budget. Zero extra API calls.
Annual Trends & Budget View
View 12-month income and expense breakdowns, category trends, and annual budget-vs-actual comparison at a glance.
Category Merge
Consolidate duplicate categories with full impact preview. Transactions, rules, and budgets all reassigned atomically.
Collaboration
Budget as a couple without a joint account. Full control over privacy and visibility.
Partner Invitations
Invite your partner to join your household with a secure 7-day invitation link. They get full access to shared finances.
Real-Time Updates
See changes as they happen. When your partner imports transactions or updates budgets, your dashboard updates in real time.
Monthly Review Workflow
A structured process for money conversations. Flag transactions, leave comments, approve or adjust categories together.
Review Deadlines & Reminders
Set a due date for monthly reviews. Automated email reminders sent as the deadline approaches so nothing slips.
Privacy Controls
Three visibility levels per account: Shared (full access), Balance Only, and Private. You control what your partner sees.
Insights & Tracking
Understand your financial picture with dashboards, insights, and goal tracking.
Spending Insights
Automatic trend detection comparing current vs previous month. Category increases, budget breaches, and spending pattern alerts.
Recurring Transaction Detection
Automatically detect bills, subscriptions, and regular payments. Track frequency, expected amounts, and confidence scores.
Savings Goals
Set savings targets with deadlines and milestone tracking. Manual contributions or automatic account-linked tracking.
Net Worth, Debts & Assets
Track your complete financial picture: bank accounts, property, vehicles, loans, and credit cards. Debt payoff calculator with overpayment simulator shows how extra payments save you money.
Debt Payoff Calculator
See your projected payoff date, total interest, and how overpayments could save you months and thousands of pounds. Visual burndown charts compare scenarios.
PDF Reports
Export monthly or annual summaries as formatted PDFs. Shareable and printable — no screenshots needed.
Bulk Categorisation
Select up to 100 transactions and categorise them in one action. Full audit trail maintained automatically.
Account Management
Keep your accounts organised with reconciliation, archiving, and safe deletion.
Balance Reconciliation
Enter your real bank balance and let JoinFunds flag discrepancies. Catch missing transactions and data entry errors.
Account Archiving
Hide closed or inactive accounts from active views while preserving all historical data in reports and annual charts.
Transaction Trash & Recovery
Deleted transactions go to trash, not gone forever. Restore accidentally deleted items with one click.
Accessible Charts
All charts include screen reader support, data table alternatives, and ARIA attributes for WCAG 2.1 AA compliance.
Start managing money together — for free.
Create your household, import your first bank statement, and see your spending auto-categorised. No credit card, no bank login required.