Roles that fit the family
Owner, admin, approver, contributor, viewer. A grandparent who contributes but never spends can be a viewer; a teenager can record on the lines assigned to them and nothing else.
For families and flatmates
One household budget, no surprises
Most money arguments are not about amounts; they are about finding out too late. A household space in Moneva gives everyone the same plan, a clear owner for every line, and a feed that shows what happened — while each person's own money stays private.
What changes
Shared money with shared rules
One owner per line
Groceries belong to one person, utilities to another. Anyone who spends records it; the owner checks the line weekly and answers questions about it.
Approval only where it matters
Set a threshold — say RWF 50,000 — and only expenses above it wait for an approver. Small purchases flow; big ones get a second look.
Personal stays personal
Each member keeps a private personal space. The household feed shows actions, not amounts, unless the owner turns amounts on.
Contributions tracked as income
Each person's monthly contribution is recorded in the household space, so everyone can see how much of the plan is funded.
Reminders to the right person
Line owners get the nudges for their lines; approvers get a digest of what is waiting. Nobody is nagged about someone else's job.
One screen for everyone
The same numbers on every phone
Home opens on what is safe to spend from the shared budget, then income and spending so far and the lines that need attention. Every member with access sees the same figures; each member's personal space stays invisible to the others.
- Recent shows who recorded what, so "did you pay the water bill?" has an answer.
- Switch spaces in one tap between your own money and the household's.
- One insight at a time — a bill due soon, a line running hot — with a next step.
How a household space works
- Create the space and invite members. Invitations go by email and expire after a week. Choose each person's role when they join; change it any time.
- Build the shared budget from last month's bills. Rent, utilities, food, transport, school fees, repairs, a buffer. Use real figures. Decide the contribution split — equal, proportional, or fixed — and record contributions as income when they arrive.
- Assign each line. The assigned member sees their lines first and receives the reminders.
- Agree the recording rule. The one that works: anything spent from shared money is recorded the same day, with a receipt photo above an amount you choose.
- Set the approval threshold and overspend policy. Pending expenses are visible but not counted until approved; committed requests reduce what is available immediately.
- Check in weekly, close monthly. Which lines are ahead of pace, is anything waiting, did anyone pay from their own pocket. At month end, compare plan and actual, decide carry-over, write two sentences, duplicate.
Who uses household spaces
Couples who share rent and food but keep separate accounts. Families with working adult children who each cover part of the household. Flatmates who are tired of the shared-costs spreadsheet. Extended families supporting a relative's school fees together. In each case the shared space holds only what the members put in it; everything else stays private.
What happens if someone leaves? Their membership ends immediately, but the transactions and approvals they recorded stay in the space because the other members' balances depend on them. Their personal space is untouched. The privacy policy sets this out in full.
Start with one shared month: record the contributions as income, give each line an owner and let the week-by-week figures settle the conversation. Group accountability covers the approval and feed options in more depth.
Questions
Household budget questions
Can each person see what the others spend?
Members see the shared household budget and the transactions recorded in it. Personal spaces stay private, so personal spending is never shown.
Can we require approval for large expenses?
Yes. Set an approval threshold on the budget and expenses above it wait for an approver before they count against the line.
What roles exist in a household space?
Owner, admin, budget manager, approver, executor, contributor and viewer. Roles decide who can edit the plan, approve spending, record expenses or only look; on each budget the owner also chooses what a member may add (income, expenses, transactions or view only) and see.
Start a household space this weekend
Create a free account, invite the people you share costs with, and build the budget from last month's bills together.