Financial planning for couples and families, in one shared view

When each partner tracks their own money separately, no one ever sees the whole thing. One person knows what is in the joint account; the other is on top of the mortgage; nobody has the combined future in front of them. And in plenty of houses it is the other shape: one person holds all of it, in their head and their spreadsheet, and being the only one who knows is its own kind of work. Either way, the household is running on a picture nobody else can simply look at.

CrestCast joins it up. Both of you link into the same household, and the forecast adds up every income, bill, saving and debt across the two of you into one cashflow, one net worth, one profit & loss. When you are looking at the same picture, “can we afford it” stops being a guess and becomes a number.

Real couples rarely pool everything, and CrestCast reads money the way they actually organise it: a joint account for shared bills, personal accounts for everything else. It keeps a clean line between the two and lets you switch between them, so you can look at the household as a whole, the shared money on its own, or either partner individually. You get the combined future without having to merge two lives into one pot. See why both partners need the same picture.

Each of you decides whether the other sees your own side, and whether they can change it, and the person who set up the household decides who can change the joint items. So one of you can keep the plan while the other simply reads it. See how couples share one plan.

Give your partner viewing and editing access and the awkward part of sharing a plan is not the maths, it is the moment one of you moves a figure and the other finds out by noticing the forecast looks different. CrestCast answers that without anyone having to raise it. When your partner changes something, it is waiting on your home screen the next time you open the app: what changed, on which item, from what to what, and when.

There is a full history behind it too, with every change attributed to the person who made it, and you can export it. It is deliberately not an alert. Nothing turns red, nothing counts up while you are not looking, and there is nothing to approve. A household where both people can change the plan and both people can see what changed is just a household planning together, which is the point of doing it in one place.

A household is more than two adults. You can add children and model what they actually cost, what you are putting aside for them and what it might be worth by a target age. You can also run the family-defining decisions through the forecast before you commit to them: a new baby, a move to a bigger house, one parent going part-time, a stretch of leave.

Because it is a forecast, not a budget, you see the effect years out, not just this month. Related reading: how much a child actually costs and what maternity and paternity leave does to your finances.

A single subscription covers the whole household. Your partner joins with their own login and is covered by yours, so you are not paying twice to plan together.

And CrestCast never connects to your bank. You decide what it knows, and nothing goes in unless you put it there. For a lot of couples that is the whole point: here is why I built it that way. When you are ready to put real numbers in, the affordability and overpayment calculators are a good place to start.