Household Members

A household is one set of finances with more than one person signed in to it. You are the Account Holder: it is your plan, and everyone you invite is a Member of your household. There is no copy and no syncing between two accounts. Everyone is looking at the same budgets, so a transaction a member categorises is categorised for you too. The exception is anything someone keeps private, which only they can see.

• Up to five members besides you.
• Any Cadence Money plan can invite, including a free trial. Members do not need a plan of their own.
• Each person keeps their own login, password, two-factor authentication and notification settings.
• The household uses your timezone and currencies, so everyone agrees on what “this month” and “due in three days” mean.
• Everyone needs version 1.1.0 or later of the Cadence Money app. An older version cannot open a household, so update from the App Store or Google Play before you accept an invite.

1. Open Settings → Household Members.
2. In the Invite Someone card, type their email address.
3. Under What They Can Do, pick View Only, Add & Edit or Custom. New invites start on View Only.
4. Tap Send Invite.

They get an email with an Accept Invite button. The link works for 14 days, and only for the address you sent it to. If the email does not go out, Cadence Money shows you the link instead so you can copy it and send it yourself.

Invites that have not been accepted yet are listed under Waiting to Join. Tap the ⋮ menu beside one to Resend Invite (the new link replaces the old one) or Cancel Invite. An invite past its 14 days is marked Expired and no longer holds one of your five places.

Every member sees everything that is shared with the household. What you choose is what they can change:

The five switches under Custom mean:

• Add: create new items.
• Edit: change existing items.
• Archive: archive and unarchive items.
• Delete: delete and restore items.
• Change Account Syncing: pause, hide or close linked accounts. With Delete as well, also remove them and their history.

A member with every switch on is shown as Full Access. A few actions need two switches: creating a transaction rule or a timed budget redirect, and accepting a recurring bill suggestion, need both Add and Edit, and undoing an import needs both Delete and Edit.

To change what someone can do later, tap the ⋮ menu beside their name, choose Permissions, then Save. A member sees their own permissions on their row in the list.

Permissions apply to private items too. A member on View Only cannot add anything, private or shared, and connecting a bank needs Add.

Anyone in a household can keep something to themselves, such as a card used for buying gifts. A private item is visible only to the person who owns it. Nobody else in the household can see it, the account holder included, and it stays out of the household’s totals, budgets, net worth and insights.

These can be private:

• Accounts, and everything else in net worth.
• Transactions you add yourself. Imported and synced transactions follow their account.
• Income, budgets, bills and goals.

Categories and transaction rules are always shared with the household.

When you add something, the Share with Household switch decides who sees it. Turn it off to keep the item private.

To change it later, open the item. Its details show Private or Shared with Household, and the owner can flip the switch there. Cadence Money tells you what moves with it, such as the account’s transactions and its past balances, before anything changes. Only the owner can change who sees an item: whoever added it, or whoever connected the bank for a synced account.

History follows the item. Making an account private moves its past balances out of the household’s net worth history and into yours, so the household’s chart never shows a sudden drop. Sharing it again moves them back.

In Settings → Household Members, the Your Items card holds two more controls:

• New Items Start Private: the starting position of the Share with Household switch whenever you add something. It starts off, so new items are shared.
• Make Everything I Own Private and Share Everything I Own: change every item you own at once. Cadence Money shows how many items will change before you confirm.

To hand over a shared item you own, open it and tap Hand Over, then choose who should own it. They decide who can see it from then on, and it stays shared until they change that. This helps when the account holder set up a card that is really yours.

Once your household has at least one member, choose Switch View from your profile menu to pick what the app shows. Nothing is changed or moved.

Everything is where you start, and Cadence Money remembers your choice on each device. While Household or Personal is on, a small badge on your profile button says so. In Everything, a lock marks your private items.

Adding something while Personal is on starts it private, and adding it while Household is on starts it shared. Insights cover the household only, so they are hidden in Personal.

The account holder and any member with Add can connect a bank. Every connection counts toward the account holder’s plan limit, private ones included.

When someone in a household connects a bank, Cadence Money asks Who Can See These Accounts? before bringing anything in. Accounts start shared with the household, unless you are looking at Personal or have turned on New Items Start Private. Choose which accounts to share, or use Share All or Keep All Private, then tap Continue. Closing the question keeps the choices it shows.

A bank connection belongs to whoever connected it. Only that person can reconnect it, add accounts to it or disconnect it, and reconnect prompts go to them. In the Connect Bank window, a connection someone else made shows as Connected by household member.

If your partner already connected a bank you also use, their connection only brings in the accounts their login can see. To add yours:

1. Tap +, then Connect Bank.
2. Choose Connect new bank at the top, not their connection below it.
3. Sign in with your own login for that bank and pick your accounts.

Any account that is already connected, such as a joint account, is skipped so it is not counted twice. Cadence Money tells you which ones it skipped. If every account you picked is already connected, nothing is added and Cadence Money says so.

If you have been invited:

1. Open the email and tap Accept Invite.
2. Create a new Cadence Money account. The email address is filled in for you and cannot be changed, because the invite only works for that address.
3. Confirm your email address. You land straight in the household.

There is no plan to pick and no setup wizard: the finances are already there.

These stay with the account holder whatever a member’s permissions are:

• The plan and billing: Change Plan and Manage Subscription.
• Exporting the household’s transaction data.
• Connecting an AI assistant. See Connect an AI Assistant.
• The household’s timezone and currencies.

A member with Change Account Syncing can unsync a linked account and keep its transactions, but not the last synced account on a bank connection. Closing that one disconnects the bank, which only the person who connected it can do.

An export, and an AI assistant the account holder connects, include what is shared plus the account holder’s own private items. A member’s private items are never included.

Members get the household’s alerts, such as new transactions, bill reminders, credit-usage alerts and insights, each through their own notification settings. An alert about a private item, such as a bill reminder for a private bill, goes only to its owner. Reconnect prompts go to whoever connected the bank, and security alerts go to the account holder only. Those include a notice by bell, push and email each time an invite is sent, titled Household Invite Sent, and each time someone joins, titled Someone Joined Your Household, so the holder always knows who has access. Home-screen widgets work for members and show what is shared with the household.

When more than one person is changing things, a record’s details show who added it and who last edited it, for example “Created by” one person and “Edited by” another. Someone who has since left the household shows as “a former member”, and a change made by a bank sync is not credited to anyone.

To leave a household, open Settings → Household Members and tap Leave Household. You stop seeing the finances right away, and you need a new invite to come back.

To remove a member, tap the ⋮ menu beside their name and choose Remove. They lose access right away, and their open app tells them they are no longer in the household.

Either way, the household’s finances stay with the account holder. The person who left keeps their own login, and their own Cadence Money account starts empty. Using it on their own needs a plan of their own.

• Paying a private card from a shared account shows in the household as a transfer, so the household sees the money leave but not what it bought.
• A shared bill paid from a private card cannot be matched to its payment, so the household sees it as unpaid.
• The same purchase entered as a shared transaction and synced on a private card appears twice in Everything, because Cadence Money never pairs up duplicates across the line.
• A handed-over synced account stays on the original bank connection, so the person who connected it can still disconnect it.
• The number of bank connections the household has used includes private ones, so it can show that a private connection exists.

If the account holder’s plan lapses, members see Your Household Is Paused instead of the finances. Nothing is deleted, and everything comes back as soon as the account holder renews. There is nothing for a member to buy. From that screen a member can check again, leave the household, or sign out.

A member who deletes their account leaves the household first, with the same result as leaving: their private items are deleted and the banks they connected are disconnected. If they schedule the deletion for later, this happens when the deletion goes through. The household’s shared finances stay with the account holder.