For Couples & Households

Financial Planning for Couples, Without Forcing One Money System

Some couples share everything. Some keep everything separate. Most land somewhere in between. PFOS adapts to how your household actually works.

Three Ways To Plan

Choose how your household runs

👥

Joint

One shared picture. Everything counts once, and you both see the same household.

🔒

Separate

Independent finances. You each keep your own numbers and share only the goals you choose.

🔀

Hybrid

Your own money plus shared items — a joint account, a mortgage — split by how much of each is yours.

Together

📊

Unified Financial Picture

Combined net worth, joint income and shared debts in one view, so both partners see the full household.

🎯

Shared Goals & Milestones

Set goals together — a house, a vacation, a college fund, early retirement — and track progress as a team.

📈

Joint Retirement Projections

Projections that factor in both incomes, both Social Security benefits and your combined retirement accounts.

💳

Combined Debt Plan

Avalanche or snowball across every household debt — both partners' student loans, car payments, mortgages and cards.

🏦

Individual Financial Scores

Each partner keeps their own Cash Flow, Protection, Growth and Efficiency scores — separate or combined, depending on mode.

🔐

Private Account Access

In Separate and Hybrid modes, each partner logs in to their own secure account. Neither can access the other's private data.

Pricing

Add your partner for +$15/month — $34/month for the two of you, or $349/year. Every account starts with a 14-day free trial.

Get Started

One plan, $19/month after a 14-day free trial. No credit card required to start.