ClearCash lets couples maintain separate accounts and individual financial clarity while sharing visibility into the accounts they actually share. Each person keeps ownership of their own accounts. Sharing grants visibility, not control.
How it works
Each partner has their own ClearCash account. One person connects the joint or shared accounts. A household group ties everything together with split percentages, so each person sees their accurate individual net worth — their own accounts plus their share of shared obligations.
Personal accounts are never visible to the other person unless you explicitly share them.
Step-by-step setup
1. Each person creates a ClearCash account and connects personal accounts
Both partners sign up independently and connect their own checking, savings, credit cards, or other personal accounts. These stay private by default.
2. Connect the shared accounts
One person connects the joint bank account, shared credit card, or other accounts you both use. Only one person needs to do this — the person whose ClearCash account holds the connection.
3. Create a group
Open the Groups tab and tap Create Group. Give it a name like “Household” or “Our Finances”. The person who creates the group becomes its first Owner.
4. Share the joint accounts to the group
From the group settings, share the accounts connected in step 2. This makes them visible to everyone in the group, and applies the split percentages to determine each person’s share.
5. Invite your partner
Add your partner as a member with their email address. They receive an invitation and can join with their own ClearCash account. Once they accept, they can see the shared accounts and their own accurate net worth.
6. Set split percentages
Decide what percentage of shared obligations each person carries. The percentages must add up to 100%.
| Common arrangement | Split |
|---|---|
| Equal incomes, equal responsibility | 50% / 50% |
| Proportional to income | Custom, e.g. 60% / 40% |
| One person covers a specific expense entirely | 100% / 0% for that account |
If your split arrangement changes later, ClearCash keeps a timeline so historical transactions retain the original split and only newer ones use the updated percentages.
Not sure which split fits your situation? Read The different ways couples split expenses →
What stays private
Personal accounts are never shared with the group unless you explicitly add them. This means:
- Personal credit cards, savings goals, and individual spending remain visible only to you
- Your partner sees shared accounts and the group’s combined picture, not your private accounts
- Personal purchases — including gifts — stay completely separate
Sharing an account grants group members visibility into its transactions. It does not transfer account ownership or give anyone the ability to move money through ClearCash.
Net worth with shared accounts
Once a joint account is shared into your group with a split, ClearCash factors each person’s percentage into their individual net worth. For example, if a joint savings account holds $10,000 and the split is 50/50, each partner sees $5,000 attributed to their own net worth.
This means both partners always have an accurate individual financial picture, even when finances overlap.
Creating a group → · Adding members →
Frequently Asked Questions
Does my partner see my personal accounts?
No. Personal accounts are only visible to the group if you explicitly share them. By default, everything stays private.
Does my partner need a ClearCash account?
If you want them to see shared data and manage their own sharing settings, yes — they need their own account. You can still set up the group and track shared finances on your own if your partner prefers not to use ClearCash.
Can we have more than one group?
Yes. You can create multiple groups — for example, one for household expenses and another for a shared savings goal or holiday fund.
What if I am the only one who connected the joint account?
That is the normal setup. One person connects and owns the account in ClearCash, then shares it with the group so both people can see it. Your partner does not need to connect the same account separately.
What happens to net worth if we change our split?
ClearCash uses a split timeline. The new percentages apply from the effective date you set. Earlier transactions keep the split that was active at the time.
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