One Household. Two Bank Accounts. One Clear Picture of Your Money.
Our Money Budget is a new budgeting app for married couples who keep their finances separate but want to see — and plan — their money together. Built by the team behind Account Cloud.
Separate Accounts Shouldn't Mean Separate Spreadsheets
If you and your spouse keep your own bank accounts, you already know the tradeoff. You get independence — and a financial blind spot.
Neither of you can see the full picture. Your net worth, your combined spending, and your progress toward shared goals are scattered across two logins and a mental tally that's never quite right.
Most budgeting apps assume one shared account. Tools built for couples often expect you to merge everything or track every transaction jointly — which isn't how most modern households actually bank.
Bills, debt, and goals end up split between two people's heads. Who's paying what this month? How close is that credit card to its limit? Is the emergency fund actually growing?
Money conversations get harder, not easier. Without shared numbers, money talks default to guesses — and guesses turn into friction.
The result? Two people, two sets of numbers, and no single source of truth to plan from together.
One App. Both of You. Your Whole Financial Picture.
Our Money Budget is a household budgeting app built specifically for couples who keep separate accounts but want a shared view of where their money stands and where it's going.
You don't have to combine accounts, switch banks, or give up your own system. You just bring your numbers into one shared household dashboard — so budgeting, bills, debt, and goals finally live in one place, for both of you.
A Shared Dashboard for Two Sets of Accounts
Set up your household once, invite your spouse, and bring both of your accounts into a single dashboard. Watch your combined net worth update automatically, track spending trends across both of you, and finally answer "where does our money actually go?" without two separate apps and a shared spreadsheet.
Budgeting and a Bill Calendar You'll Actually Use
Build a monthly budget together, track recurring bills on a shared calendar, and log transactions as they happen — manually or by importing from a CSV or Excel file. No more wondering whether the mortgage, the car payment, or a credit card autopay has been handled this month.
Debt Payoff Tools Built for Real Households
Track every loan and credit card balance in one place, log payments as you make them, and compare avalanche vs. snowball payoff strategies to see which gets you debt-free faster. If you're working through a debt relief or settlement program, Our Money Budget helps you manage it — including a built-in evaluator that estimates potential 1099-C tax impact and models the IRS insolvency exclusion, so you can have an informed conversation with a tax professional before any surprises show up at tax time.
Track Spending Trends Without the Guesswork
See exactly where your household's money is going, month over month, with spending broken down by category for both of you. Getting started is easy — import your existing transaction history from a CSV or Excel file instead of starting from zero.
A Financial Journal for the Conversations That Matter
Big financial decisions rarely happen in a vacuum. The financial journal gives you and your spouse a shared place to jot down context — why you adjusted a budget, agreed to a new savings goal, or paused extra debt payments for a month. It's a running record of your financial story as a couple, not just your numbers.
No. Our Money Budget is built for couples who keep their accounts separate. You each add your own accounts, and the app brings everything together into one shared household view — without requiring you to merge anything.
It's designed first for married couples managing a household together, but the core idea — a shared dashboard built from each partner's separate accounts — works for any two people sharing household finances.
At launch, you'll be able to add accounts and transactions manually or import them from a CSV or Excel file. Direct bank connections are planned as a future update.
It's a planning tool that helps estimate the potential tax impact of a debt relief or settlement program, including 1099-C income and the IRS insolvency exclusion. It's meant to help you understand the questions to ask — it isn't tax advice, and we always recommend talking to a qualified tax professional before making decisions based on these estimates.
Yes. Each household's data is kept separate and accessible only to the household members who set it up. Your numbers are yours.
Our Money Budget is currently in development. Visit ourmoneybudget.com to learn more and be among the first to know when it's ready.
Picture What Sunday Morning Money Talks Could Look Like
You open Our Money Budget together and see:
Your combined net worth, updated automatically
This month's budget vs. what you've actually spent, by category
Every upcoming bill for both of you on one calendar
How much progress you've made paying down debt this month
All from one shared dashboard. All in one place. No spreadsheet required.
That's the goal for Our Money Budget — turning "where did our money go?" into a five-minute conversation instead of a weekend project.
Built by the Team Behind Account Cloud
Our Money Budget comes from Account Cloud Inc, led by Luke Loescher — a Michigan-based accounting professional, systems designer, and IRS-authorized Electronic Return Originator (ERO) with a Master's degree in Accounting Information Systems from Eastern Michigan University.
Account Cloud already builds Account Cloud Unity, fund accounting and management software for nonprofits. Our Money Budget applies that same approach — clear numbers, built around how people actually manage money — to household finances.
In fact, Our Money Budget started as a tool to solve a problem in our own household: two people, separate accounts, and no easy way to see the full picture together. We're building the tool we wished existed — and sharing it with other couples who need the same thing.
Getting Started Will Be Simple
Step 1: Set Up Your Household
Create your household and invite your spouse. Each of you keeps your own login — but you'll share one dashboard.
Step 2: Add Your Accounts and Import Your History
Add your accounts and bring in your existing transactions with a CSV or Excel import, so you're not starting from a blank slate.
Step 3: Build Your Budget and Start Tracking Together
Set up your monthly budget, add your bills to the shared calendar, and start seeing your combined financial picture take shape.
Money Is One of the Top Sources of Stress in Relationships
When Neither of You Can See the Full Picture, Small Decisions Become Big Arguments
Research on couples and money consistently points to the same issue: it's rarely the big financial decisions that cause the most friction — it's the surprises. The bill nobody knew was due. The balance that's lower than expected. The "wait, how much do we actually owe on that card?"
Most of that friction isn't about money itself. It's about visibility. When both partners can see the same numbers, money conversations shift from defending decisions to making them together.
Our Money Budget is built around that idea: shared visibility, without giving up your own accounts.
Get Ready for Clearer Money Conversations
Our Money Budget is currently in development, built by the team behind Account Cloud.
Visit ourmoneybudget.com to learn more and be the first to know when it's ready.