Household Budget Software for UK Families

Why Households Need Dedicated Budget Software

Most budgeting apps are built for individuals. But families have unique needs:

• Shared accounts: Joint bank accounts, credit cards, and mortgages require visibility for all members.
• Multiple income sources: Partners with different salaries need combined budgeting.
• Household bills: Utilities, council tax, insurance, and subscriptions affect everyone.
• Role-based access: Parents may want full control while children have view-only access.

Home Wealth Watch is built specifically for these scenarios—designed for households, not just individuals.

Key Features for Family Budgeting

1. Shared Household Access

Invite partners, family members, or housemates. Everyone sees the same dashboard. Assign roles:

• Admin: Full access—add accounts, manage members, control budgets
• Member: Add transactions, view budgets, manage bills
• Viewer: Read-only access to dashboards and reports

2. Budget Categories for Households

Create monthly budgets with categories relevant to families: groceries, utilities, childcare, school expenses, entertainment, savings goals. Track spending against targets and get alerts when approaching limits.

3. Bills Radar

Never miss a payment. Track all recurring household bills: mortgage, council tax, utilities, insurance, subscriptions. Get reminders before due dates. See upcoming bills for the next 30 days.

4. Transaction Management

Import bank transactions from CSV files. Auto-categorize spending by merchant. Create rules for automatic categorization. Search and filter by date, category, or amount.

5. Multi-Account Tracking

Manage all accounts in one place: checking, savings, credit cards, mortgages, assets (home, car). See your complete net worth and cash flow at a glance.

How UK Families Use Home Wealth Watch

Scenario 1: Two-Income Household

Sarah and Tom both work. They have a joint account for bills and separate accounts for personal spending. Sarah manages the mortgage and council tax. Tom handles utilities and subscriptions. Both can see the complete picture, assign transactions to categories, and track progress toward savings goals.

Scenario 2: Family with Children

Emma and David have two teenage children. They give the kids viewer access to see household spending patterns and learn financial literacy. Emma (admin) manages all accounts. David (member) adds transactions and monitors budgets. The kids see how much the household spends on groceries, utilities, and entertainment.

Scenario 3: Housemates Sharing Expenses

Three housemates split rent, utilities, and groceries. Each has member access. They track shared bills and split costs. Everyone can add transactions, categorize spending, and export reports for reconciliation.

Why Choose Home Wealth Watch Over Other Budget Software?

Data Privacy & Security

Your household data is completely isolated. No one outside your household can see it. We don't sell data to third parties. GDPR compliant with full export and deletion options. Tip: you can keep account names discreet and avoid adding PII—recommended to keep details minimal, though you're free to add them if you want. Two-factor authentication available for extra security.

Getting Started

1. Sign up with your email or Google account
2. Create your household and invite family members
3. Add accounts (bank, credit cards, savings)
4. Import transactions from CSV files
5. Set up monthly budgets and bill reminders
6. Start tracking together!

No credit card required. Free for 1 year (limited users).