Plan your money, together.
Understand each other's relationship with money. Build a shared plan. Make decisions as a team - with structure, not stress.
Money is the conversation most couples avoid.
It's the #1 source of relationship stress. But most couples don't fight about money because they disagree - they fight because they've never actually talked about it.
Instead, they default to one of three patterns: one person takes charge and the other checks out, both avoid it until something breaks, or every money conversation turns into a fight.
None of these work. Heirloom gives you a fourth option: a structured way to understand each other's relationship with money and build a plan you both believe in.
The numbers don't lie.
of divorces cite money problems as a primary factor
of Americans report that money is a significant source of stress
cause of relationship stress - above chores, intimacy, and in-laws
Sources: APA Stress in America, Bankrate Financial Security Survey, Gottman Institute
How Heirloom works.
Four steps to financial alignment. No spreadsheets, no judgment, no merging bank accounts.
Tell Your Money Story
Everyone carries invisible scripts about money from childhood. Your partner does too. These scripts shape how you spend, save, give, and argue - usually without either of you realizing it.
Heirloom's guided questions help each partner uncover their money story privately before sharing it with each other.
Build Your Spending Plan
Each partner builds their own plan independently. Not a shared spreadsheet - your own view of where money should go, organized into three buckets: Needs, Future, and Yours.
"Yours" is the category most budgeting apps pretend doesn't exist. It's the money you each get to spend without justifying it.
The Reveal
This is the moment. You see your partner's money story and spending plan for the first time. Where do your values align? Where do they clash? What surprised you?
The Reveal isn't confrontation - it's recognition. Most couples tell us it's the most honest conversation they've ever had about money.
Stay Aligned
Alignment isn't a one-time event. Life changes - jobs, kids, moves, windfalls, setbacks. Heirloom's monthly check-ins give you a guided agenda: review wins, flag concerns, update rules, and plan ahead.
No more "we need to talk about money." Now it's just part of the routine.
Built for real couples.
Every couple has different challenges. Heirloom meets you where you are.
Newlyweds & Moving In
"How do we combine our finances without losing ourselves?"
You're merging lives but that doesn't mean merging every dollar. Heirloom helps you build shared rules from day one - before habits calcify and resentment builds.
Different Incomes
"How do we split things fairly when one of us earns more?"
50/50 isn't always fair, and proportional splitting isn't always right either. Heirloom helps you find a values-first framework that both partners actually believe in.
Couples Who Avoid It
"We know we should talk about money. We just... don't."
Heirloom replaces the awkward confrontation with a structured process. You each do the work independently, then come together with a guided conversation. No ambush, no blame.
Your Financial Alignment
Strongest match: You both value experiences over possessions
Biggest gap: How much to keep in savings vs. invest
Your Financial Alignment Score
After you and your partner each complete your Money Story and Spending Plan independently, Heirloom compares them across three dimensions and generates your Alignment Score.
It's not a grade. It's a starting point for the most honest conversation you'll ever have about money. Where do your values match? Where do they clash? What childhood patterns are still running the show?
Every couple has gaps - the score helps you see them clearly so you can close them together.
See Your Alignment ScoreWhat you get.
Real tools for real conversations. Not another budgeting app.
Money Stories
Guided questions that uncover the invisible scripts from childhood - what big purchases felt like, what "enough" meant, what your parents fought about. Each partner works privately, then shares during The Reveal.
Spending Plan
Your monthly income, organised into three buckets: Needs (rent, groceries), Future (savings, investments), and Yours - the guilt-free spending you each get without justifying it.
Household Agreement
Your shared rules, written down: spending thresholds, always-yes categories, always-discuss categories, splitting models, and promises to each other. A living document you update together at each check-in.
Check-Ins
Two rhythms: Quick check-ins (weekly or biweekly - "anything to flag?") and Deep reviews (monthly - revisit spending, update rules, plan ahead). You pick the cadence. Heirloom nudges you when it's time.
Activity Feed
Every agreement update, check-in, and decision logged in one place. Threaded discussions on any event. Six months from now you can look back and see exactly what you decided, when, and why.
Both Partners, Full Access
One subscription, two accounts. Each partner has their own private space for Money Stories and Spending Plans, then a shared space for The Reveal, Agreement, and Check-Ins. No one sees your work until you're ready.
Write the rules you'll actually follow.
Every couple has unspoken rules about money. The problem is they're unspoken. Heirloom helps you turn "I assumed..." into "We agreed..."
Your Household Agreement is a living document. Review it at every check-in. Update it when life changes. It's not a contract - it's a conversation you had, written down.
- Set a spending threshold - anything above triggers a conversation
- Define "always yes" categories - spending you never have to justify
- Choose how to split shared expenses - by item, category, or income ratio
- Make promises to each other - the things that matter most, captured
Household Agreement
Spending Threshold
$200
Anything above this → we talk first
Always Yes
Always Discuss
Our Promises
"No financial surprises. Ever."
"Monthly check-in, even when things are good."
What Heirloom is not.
Clarity starts with honesty about what we do and what we don't.
Not a Budgeting App
We don't track every coffee purchase. We help you plan forward, not audit backwards.
Not a Joint Bank Account
We don't touch your money or require you to merge anything. Your accounts stay yours.
Not Couples Therapy
We give you the structure for productive conversations - but we're not therapists. If money fights are constant, we'll help you prepare for that conversation too.
Also explore
Heirloom grows with your family.
The 18-Year Runway
Give your children every advantage without spoiling them. Track gifts, set milestones, teach intentional giving.
Learn more →Complex FamiliesThe Fairness Engine
Fair does not mean equal. Track lifetime support, balance giving across children, and document your reasoning.
Learn more →Wills & TrustsOutsmart State Law
Without a will, your state decides who gets your assets. Simulate intestacy rules and build a plan that reflects your wishes.
Learn more →Your money. Your partner. Your plan.
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