[WORKSPACE SCOPE]
Shared household workspaces
One unified ledger for collective home spending. Deliberate member invitations with strict permission boundaries so personal balance sheets never leak.
MULTI-USER ISOLATION
Household ledger & role isolation
Money management for the whole family
Invite family into one workspace with role-scoped visibility. Members without full audit rights only see what they should — never an unpartitioned, fragile shared spreadsheet.
Role-scoped member invitesZero bank passwords storedGranular allowance & budget pacingPrivate personal ledger segregation
Illustrative multi-user syncHousehold Buffer: 5.2 months
Ledger View: Household Safe
Household Cockpit ILLUSTRATIVE
Family ledger & settlements
₹ INR · demo chrome
Family · Household ledger| Illustrative chrome
Amounts are demo UI — not live balances
HOUSEHOLD BALANCE+8.4% MoM
₹2,16,540
Primary joint savings pool · 3 domestic accounts
JOINT BUDGET LEFT11 days left
₹28,900
62% spentPacing on track
SETTLEMENTS DUE2 awaiting
₹3,400
Partner: ₹2,100 · Teen allowance: ₹1,300
Settle Now| Category / Owner | Settlement context | Envelope | Amount (INR) | State |
|---|---|---|---|---|
Groceries — BigBasket Shared · Today, 09:42 IST | ASettled by Partner (50/50 Split) | Joint Food Budget | −₹3,120.00 | Reconciled |
School & Tuition Fees Education · Monthly Term | YAuto-debited from Reserve | Quarterly Child Reserve | −₹18,000.00 | Scheduled |
Transfer In — Shared Liquidity Contribution · Received | SSelf-Directed Transfer | Monthly Pool Replenish | +₹25,000.00 | Settled |
Emergency Dental Care Health · Yesterday, 16:15 IST | APending Partner Split (₹2,250 due) | Family Health Pool | −₹4,500.00 | Split Pending |
No bank credentials · Client-side statement import·CSV / XLSX / PDF preview-and-confirm
Explore family features →Shared domestic capabilities
Engineered for privacy. Built for shared domestic sanity.
Role isolation, shared budgets, and intra-family settlements — without claiming bank sync, SMS parsing, or Account Aggregator access.
[PACING ENGINE]
Joint budgets & pacing
Household category targets that show burn rate and days remaining without messy double-counting. Visual pacing buffers prevent end-of-month panic.
ACTIVE PACING
[GOAL ENVELOPE]
Shared goal bucketing
Earmark reserves for family trips, school terms, or vehicle maintenance into shared buckets with collaborative progress tracks.
SHARED BUCKETS
[AUTO-SETTLE]
Internal bill splits
Split electricity, wifi, domestic help, and grocery runs. Track internal IOUs and settle balances between members without WhatsApp archaeology.
NET OFFSET
[PRIVACY MODE]
Personal privacy mode
Obscure personal savings, discretionary purchases, or solo lines on shared family screens — without leaving the household workspace.
ONE-CLICK MASK
[ROLE GOVERNANCE]
Family dossiers & roles
Role-scoped access: parents hold full audit privileges; dependents and young adults get guided allowance views without balance leak.
SCOPED PERMISSIONS
Real household topologies
Designed for how actual homes coordinate
Family money isn’t homogenous. Expenu balances shared obligations against independent financial autonomy — shared-not-fully-open.
Scenario 01 · Two-Income PartnershipIsolation: Shared-not-fully-open
Proportional contribution, zero oversharing.
Both partners contribute an agreed 60/40 percentage to the joint pool for mortgage, car EMI, and household supplies. Individual investments, discretionary buys, and personal retirement accounts stay private — role-scoped, not a fully open ledger.
Partner A (Full Admin)Joint pool + Solo Ledger A
Partner B (Full Admin)Joint pool + Solo Ledger B
Shared ViewStrictly Joint Domestic Pool
Zero-scraping honesty
Why we will never ask for your NetBanking password
Conventional consumer fintech relies on fragile screen scrapers that store your online banking credentials. Expenu uses client-side statement file import — no NetBanking passwords, no SMS inbox access, no Account Aggregator claims.
✕
HIGH RISKThe Aggregator Method
- •Stored credentials: Demands NetBanking password and debit card PINs on third-party servers.
- •Fragile OTP sync: Constant sync failures, captcha timeouts, and broken daily automated runs.
- •Unchecked data scraping: Transaction patterns packaged for ad networks and loan brokers.
- •All-or-nothing exposure: Shared users can see your entire banking history down to every private purchase.
✓
HONEST COREThe Expenu Protocol
- •Direct client-side import: Upload PDF/CSV/XLSX bank statements. Preview and confirm before they touch the ledger.
- •Zero credential retention: We do not know, store, or transmit your NetBanking passwords. Ever.
- •Role-scoped privacy: Designate exactly which lines belong to the family ledger vs your solo ledger.
- •No bank-sync theatre: No AA, SMS inbox, or screen-scraper claims — file import only.
Free workspace · No bank credentials stored
Bring peace to family finances today
Set up a shared household workspace in minutes. Invite members, assign scoped access, and manage money without spreadsheet chaos — or NetBanking passwords.
No bank credentials requiredRole-scoped visibilityClient-side statement import