A real plan, kept current as you talk.
A snapshot from a Space mid-project. The artifact lives next to the chat and updates itself — no homework. Share read-only with anyone who needs to see where things stand.
Decisions
The household plan · 1 open · 2 resolved this quarter
- ✓
Pause the reno fund to hit the car goal by October?
- Both at half-speed
- Pause reno 6 months → car Oct, reno Nov
- Stretch car fund to Jan
Decision
Pause reno fund for 6 months — car by Oct, reno resumes Nov.
Car has a hard deadline; reno is flexible. Trimming both leaves neither goal hit by year-end. The 6-month pause keeps the emergency fund untouched.
Decided by You + Alex · May 12
- ?
Raise the monthly grocery line from $850 to $1,000?
- Raise to $1,000, no cuts elsewhere
- Raise + trim takeout by $150
- Hold $850, track creep monthly
- ✓
Refinance the mortgage at current rates?
- Refinance now
- Wait one quarter
- Pay down extra principal instead
Decision
Wait one quarter — rates trending down, closing costs eat the savings if we move now.
Break-even on a refi today is 14 months; if rates drop 0.25 it's 8 months. Revisit in Q3.
Decided by Alex · Apr 3
Sound familiar?
The budget lives with whoever made it; the other person sees it once a year. The big tradeoffs get hashed out in a tense kitchen conversation and then quietly forgotten. Nine months on, nobody can answer "wait, why did we pause that?" — and the question itself starts a new argument.
Different shape for every stage.
Each phase of family finances has its own UX — different artifacts in play, different things the AI is watching. Not one generic chat with a kitchen-sink prompt.
- 1Set up
The household number
Income, fixed expenses, the savings rate, the goals you actually have (emergency fund, car, reno). Set once, together — not one person's spreadsheet the other never opens.
💰 Budget🎯 Goals🧩 Notes - 2Monthly rhythm
Reality check, not aspiration
Real spending lands against the plan. The AI flags drift before it compounds — the takeout creep, the subscription you forgot, the utility that doubled. Adjust mid-month, not at year-end.
💰 Budget vs actual⚠️ Drift flags - 3Tradeoffs
Two goals collide
Bump the car fund and the reno slips. Instead of one person doing the math alone, the AI frames the options (pause, stretch, trim) with real numbers, and the call gets made together — and recorded.
⚖️ Decisions🎯 Goals re-balanced - 4Quarterly + year-end
The answerable plan
What got saved, what changed, what's slipping — pulled together in one read. The decision log answers "why did we pause that?" without a fight. The plan, with the reasoning intact.
📊 Review⚖️ Decision log🎯 Goal progress
How it actually goes
The specific moments it earns its keep — not the demo video, the boring middle.
Two goals collide
Bump the car fund and the reno fund slips — instead of one person doing the math alone, it surfaces the tradeoff (pause one, stretch the other, or trim both) with the numbers, so the household decides together.
A raise lands
Add the new monthly number once. It re-shapes the goals proportionally, flags which ones could move up, and asks before changing anything — no "wait, where did the extra go?" three months later.
An unexpected bill — the dentist, the vet, the AC
Log it. It updates the emergency fund draw, flags whether to slow a goal, and records that you took a hit this month so next month's planning starts from reality, not last week's expectations.
"Why did we pause the reno fund again?"
Six months later, the answer is there: car priority, recorded May 12, with the alternatives that were ruled out. Not relitigated; not forgotten.
Quarterly check-in
It pulls together what got saved, what changed, and what's slipping — a real review in one screen instead of a tense kitchen-table reconciliation from three different banking apps.
Year-end, taxes, big-picture
The decision log + the goal progress give you the year in context: what you chose, what you achieved, what you'd do again. The household plan, not the accountant's spreadsheet.
What you get
A budget the household actually sees
Both of you can open it. Updates land instantly — the new utility rate, the raise, the surprise dentist bill — without one person re-entering everything in a spreadsheet.
Tradeoffs surfaced, not buried
When two goals conflict, it frames the choice — pause one, stretch the other, trim both — with the real numbers, so the call gets made instead of festering.
Decisions with the why kept
Why you paused the reno fund for the car — recorded the day you decided, answerable a year later. Not re-argued from scratch every quarter.
You could ask ChatGPT. Here's what it can't do.
- ✕Gives generic budgeting advice with no view of the household's real numbers.
- ✕Answers one person; the rest of the household never sees the reasoning.
- ✕Forgets the conversation; the decision evaporates.
- ✓Keeps a shared budget everyone trusts — current, not one person's spreadsheet.
- ✓Frames the tradeoff for everyone and records the call so it's not re-argued in a year.
- ✓Keeps the goals, the conflicts, and why you chose what you chose — answerable later.
Out of the group chat. Into one place.
Free to start, on web and iOS. Your people in a minute.