Cosmic Budget keeps the workflow centered on household review: shared spending, joint goals, receipt context, and honest money conversations under one subscription.
Shared budgets, shared goals, and fewer mystery charges.
Both partners see the same spending, budgets, and balances in real time — no more “did you log that?”
Save toward a home, a wedding, or a trip together — track progress as one team with a shared target.
Use receipt details when they are available to turn one big store charge into a clearer spending conversation.
One $49/year plan covers household sharing. You can invite a partner without adding another Cosmic subscription.
Start conversations from the same numbers and line-item receipts — less blame, more progress.
See exactly what each shared charge included — so a joint “Target $214” is never a mystery again.
There’s no universally correct way to combine money as a couple — only the way that fits your relationship. Three common models work well, and you can move between them as life changes.
Everything goes into shared accounts and a shared budget. Simplest to track and deeply transparent — it works best when incomes and spending styles are roughly aligned.
Each partner keeps their own accounts and splits shared bills. Maximum independence, but it takes more coordination to see the whole picture — which is exactly where a shared dashboard helps.
A shared budget for joint expenses and goals, plus personal accounts for individual spending. You get household transparency and personal breathing room. Cosmic Budget supports this directly: connect the shared accounts first, then add more when it helps.
Set a recurring “money date,” open the same dashboard, and review the month together. When you’re both looking at identical, itemized numbers, the conversation is about decisions — not who spent what.
Split your combined take-home pay into needs, wants, and savings in seconds.
Move years of history over in minutes with our complete migration guide.
Connect an assistant and ask “are we on track this month?” — answered from real data.
See how household sharing and price stack up against Monarch, YNAB, and Copilot.
Get both partners on the same page — shared goals, clearer spending, one fair price.