Feature
Family Budget in Kiso Money
Combine personal and shared family finances in one system: accounts, expenses, categories, plans, transfers, and analytics.
Key benefits
- Up to 10 family members on one subscription
- In-app family invitations
- Shared family finance overview
- Personal and shared accounts
- Shared expense categories
- Plans for key categories
- Transfers without analytics distortion
- Family spending analytics
- Multi-currency account support
What family budget gives
Family budget in Kiso Money is a shared finance mode where accounts, categories, and operations are combined into one clear picture.
A family subscription supports up to 10 members. The family head manages invitations and membership, while day-to-day budgeting rights are equal for participants.
After members join, you can track personal cards, shared accounts, cash, savings, income, expenses, and transfers in one family system.
Examples of accounts
- Personal card
- Shared card
- Cash
- Savings
- Currency account
- Reserve fund
- Goal savings
Plans for family expenses
Set plans for important categories such as groceries, home, car, health, children, and recreation.
Plans are guidance, not hard limits. They help compare actual family spending against expected monthly or yearly levels.
Where plans are most useful
- Groceries
- Home and household
- Car
- Children
- Health
- Cafes and restaurants
- Subscriptions
- Recreation
Transfers between accounts
Family finance often includes transfers between personal and shared accounts, cash, and savings.
Track these as transfers, not expenses or income, so internal money movement does not distort spending analytics.
Family budget analytics
Analytics shows category distribution, period dynamics, growth areas, and remaining balance after regular spending.
With multiple accounts and currencies, Kiso Money helps combine data into one base-currency view.
When this is especially useful
- You need to manage budget together with family members
- Family uses multiple cards and accounts
- There are both personal and shared expenses
- Part of money is held in cash or foreign currency
- You need category-based expense visibility
- You need to control recurring payments
How it looks in the app: family accounts
How it looks in the app: categories
How it looks in the app: plans
How it looks in the app: analytics
FAQ
How many family members can be added?
Up to 10 members can be added under one family-head subscription.
Can I invite someone directly from the app?
Yes. The family head sends an invite from the app, but the person must already be registered in Kiso Money.
Can personal and shared accounts be tracked together?
Yes. You can combine personal cards, shared cards, cash, and savings in one system. Personal accounts are visible to family members in family mode.
Should categories be separated by family member?
Usually no. Shared categories keep analysis clearer, while the payment source is separated by accounts.
Can plans be used for family budget?
Yes. Plans help define targets for key categories and compare real spending against expected monthly or yearly amounts.
How should transfers between family accounts be recorded?
Record them as transfers, separate from expenses and income, so analytics remains accurate.
Are private accounts available in family mode?
No. Family mode is built around shared financial visibility: members can see each other's accounts, categories, and operations.
How is family head different from other members?
Daily budgeting rights are equal. The family head additionally manages membership and owns the family subscription.
Is family budget suitable for multiple currencies?
Yes. You can create accounts in different currencies and still view one combined picture in base currency.
Try family budget in Kiso Money
Add family members, configure accounts, categories, and plans to see one shared picture of spending, transfers, and savings.
