Full feature reference

Every module, explained properly

The home page gives you the gist. This is the full account of what AccountHouse does — from the dashboard to household calls, bank-message import, and the encryption behind DocuVault. Skim the highlights, or read a module to the bottom.

26 modules5 app surfaces, 1 account6 new this year

Daily money

The dashboard, module by module

The state of the household month, readable in ten seconds.

The dashboard is the first screen every member sees after signing in. It gathers the numbers that usually live in three or four different apps and presents them for the selected month — so the state of your finances is clear before your coffee cools. Every panel is a jumping-off point into the detailed modules below.

Spend, income & savings for any monthBudget burn with colour-shifting warningsVelocity & end-of-month forecastPer-member and per-category breakdowns

Monthly summary cards

The top row summarises the month you are viewing. Move between months freely — every figure recalculates.

  • Total spent, total income, and calculated savings
  • Budget usage as a percentage, colour shifting as limits near
  • Payables due in the coming days so nothing slips

Velocity and forecast

Rather than only showing what you have spent, the dashboard estimates where the month is heading at your current pace.

  • Daily average spend and a projected end-of-month total
  • A simple read on tracking ahead of or behind budget
  • Yearly projection that carries the trend forward

Category and member breakdown

Two views answer the questions a shared household asks most: where did it go, and who spent it?

  • Top categories with proportions for the month
  • Spend by payment method — cash, debit, credit
  • Per-member breakdown so contributions stay visible

Activity and recommendations

The lower half keeps you close to the detail without leaving the page.

  • A live feed of the latest expenses as they land
  • Plain-language nudges when a category drifts off track
  • Quick add so a new expense never needs another screen

Daily money

Expense tracking in full

Seconds to log, rich enough to matter at month-end.

Expenses are the heart of the app, so logging one is quick while still capturing enough detail to be useful later. Every entry can carry a category, a card, a receipt, a currency, a location, and the member it belongs to — and if you're in a basement car park with no signal, it queues on your phone and syncs itself later.

Keypad-fast entry with tip & tax presetsReceipts by camera, gallery, or ReceiptVis scanWorks fully offline — durable outbox, zero duplicatesMulti-currency with automatic conversion

Rich entry, fast input

Capture a full expense in seconds, refine it later if you need to.

  • Categories and payment methods your household defines
  • Tip and tax fields with presets that auto-apply
  • Receipts, notes, dates, and spent-by attribution
  • Favourite expenses — one-tap re-entry for the things you buy constantly

Offline capture that never loses an entry

No signal is not an excuse the ledger accepts. Entries and their receipts queue in a durable on-device outbox.

  • Automatic sync on reconnect, foreground, and background
  • Idempotency keys so retries can never double-post
  • A Pending sync screen — nothing is ever silently dropped

Multi-currency support

Households that spend across borders record the original currency and still see one consistent total.

  • Any supported currency, converted automatically
  • Household default currency (AED out of the box)
  • Original amounts preserved for your records

Bulk and assisted entry

For months where receipts pile up, there are faster ways in than typing.

  • Quick add straight from the dashboard
  • Excel import for history and bulk entries
  • ReceiptVis scan — photo or PDF to a reviewable draft
  • Smart category suggestions that learn your household's habits

Daily money

Income and savings

What comes in, tracked apart — and hidden when screens are shared.

Income is tracked separately from spending so salary and other earnings don't get lost among daily expenses. Because income can be sensitive on a shared device, it can sit behind a PIN that only the right people know.

Salary and side income logged individuallyFeeds savings and Financial HealthOptional PIN keeps totals private

Recording what comes in

Every income source is captured with enough context to reconcile the month.

  • Salary and additional sources logged individually
  • Monthly totals that feed savings calculations
  • A clear expense-against-income ratio on the dashboard

PIN-protected view

On tablets and phones shared by a family, income figures stay hidden until unlocked.

  • Optional PIN that masks income totals
  • Unlock only when needed, then it locks again
  • The rest of the app stays fully usable meanwhile

Daily money

Budgets that reach out to you

Limits that speak up before the money is gone.

A budget is only useful if it tells you something while you can still act. Set limits per category and AccountHouse watches them for you — a warning as you approach, another if you cross, even a heads-up at the moment of saving an expense that would tip one over. Never a stream of daily noise.

Per-category and household limitsWarning thresholds you tuneMonth-to-month overridesChecked live at the point of entry

Setting limits

Budgets flex to match how your household actually plans.

  • Monthly limits for each category
  • Warning thresholds so you hear about trouble early
  • Monthly overrides — December groceries can differ from February's
  • Mark-paid handling and sensible starter defaults

Alerts without the spam

Notifications are deliberately restrained so they stay meaningful.

  • One warning nearing a limit, one when you exceed it
  • Delivered by email and mobile push, per your preferences
  • A save-time warning when an expense would cross the line

Daily money

Bills, payables, and recurring expenses

Bills that remind you — and recurring expenses that can ask first.

Recurring commitments deserve their own machinery because missing one has real consequences. Payables schedule the obligations and remind you before they're due; recurring expenses post themselves on any schedule — and, if you prefer, ask for your approval before each occurrence instead of assuming.

Due-day scheduling with remindersExecution history — proof of what was paid whenRecurring on daily to yearly (even custom weekdays)Approval mode: approve, snooze, or skip a month

Scheduling commitments

Set a payable once and let the app carry it forward.

  • Due-day scheduling for every recurring bill
  • Preliminary reminders ahead of the date, an alert on it
  • Execution history so past payments are provable

Recurring expenses

Templates that post the expense so you don't have to remember it.

  • Daily, weekly, monthly, yearly — or custom days of the week
  • Edit, pause, resume, or change just the amount
  • A backfill preview shows exactly what would be created, first

Approval mode

For patterns you want eyes on, each occurrence asks before posting.

  • Approve → posts on its scheduled date
  • Decline → asks again in 24 hours; Skip → quiet until next month
  • Pay now covers 'I skipped it but paid it anyway'

Daily money

Calendar and reminders

Your financial life, laid out by day.

One agenda for money with a date on it: expenses as they happened, payables coming due, Split activity, and your own reminders. It's the answer to 'what's hitting us this week?' without adding anything up.

Month grid and day agendaExpenses, payables & Split in one viewPersonal reminders with push

Everything with a date

The calendar folds the household's financial events into one view.

  • Expenses and payables plotted on the days they belong to
  • Split activity alongside household entries
  • Day sheets for the detail behind any date

Your own reminders

Renew the registration, chase the deposit, cancel the trial — money memos live here too.

  • Personal reminders with optional push notifications
  • Goal deadlines exportable to your phone's calendar

Daily money

The shared shopping list

One live list the whole household edits.

Every member sees and edits the same list, and because it lives on the server it survives reinstalls and phone changes. It's the small feature that quietly ends the 'I thought you were getting milk' conversation.

Quantities, units & aisle sectionsUrgency levels: urgent, soon, laterAssign items to a specific memberShare as text or a sectioned PDF

A list built for households

More structure than a notes app, less ceremony than a project tool.

  • Quantity and unit per item, with aisle or section labels
  • Urgency — urgent, soon, later — so the run is prioritised
  • Assign an item to whoever is actually near the shop
  • Bulk add, reorder, mark bought, clear completed

Take it with you

The list travels in whatever form the moment needs.

  • Share as plain text into any chat
  • Export a sectioned PDF for the pinboard crowd

Cards & banks

My Cards, bank accounts, and external accounts

Your instruments, your balances — without ever handing over a bank login.

Most households don't need a bank-feed dump — they need to know which card paid for what and what's left in the account. Name the instruments you actually use, watch spend accumulate against each, and let balances follow automatically as expenses post. There is deliberately no open-banking credential linking: AccountHouse never asks for your bank password.

Card faces with network, limit & statement dayBank accounts with a running ledger & safe-to-spendStored-value and prepaid cards tooAmounts behind a fingerprint/PIN reveal

Name what you spend with

Cards and wallets rendered the way you talk about them at home, not as mystery strings.

  • Named cards as visual card faces with their network
  • Credit limits for utilisation, statement day, owner
  • Stored-value cards — prepaid, transport, gift balances
  • Active/inactive control so old plastic doesn't clutter

Bank accounts with a real ledger

Add your accounts and the balance follows what you record — expenses, transfers, adjustments, imported bank messages.

  • Running ledger per account with statements
  • Safe-to-spend math on top of the raw balance
  • Balances visible only to members with account-management rights

External accounts

An address book of other people's payment details — the landlord's IBAN, a relative's UPI — answered once, forever.

  • Bank details plus digital handles (UPI, PayPal, Wise, and more)
  • Attachable when recording a payment
  • Reference data, deliberately not balances or secrets

Sensitive digits on your terms

Shared screens shouldn't flash numbers by default.

  • Eye-icon reveal behind fingerprint or PIN
  • Masked account numbers with short-lived reveals on mobile
  • The card detail gate is on by default

Cards & banks

Bank Messages — SMS to ledgerNew

Your bank already texts you every transaction. Now those texts book themselves.

Every card swipe already generates a bank SMS. Bank Messages reads the senders you allowlist, extracts the merchant, amount, currency, date, and card, and hands you a pre-filled draft to approve — or, once it has earned your trust, posts the routine ones automatically. Android-only (iOS has no SMS access for apps), enabled per household, opt-in per phone.

Allowlisted bank senders only — nothing else is readDraft-then-approve, with card matching by last digitsAuto-learn: trusts a format after 3 clean approvalsBackfill the last 7 / 30 / 90 days

From message to draft

A matching SMS becomes a reviewable expense draft in the app, linked to the right card.

  • Merchant, amount, currency, date, and tax presets extracted
  • Card matched by its last digits; linked accounts move balances
  • Unknown card? The draft flags it and prompts you to add one
  • Attribution your way: card owner, always you, or household

Automation you dial in

Three modes, from fully manual to fully trusted — with the reasons for any hold spelled out.

  • Review each: nothing posts without your approval
  • Learn: a format posts automatically after you approve 3 unchanged
  • Always: confident reads post, ideally under an amount cap
  • Held drafts always say why — unknown card, low confidence, over limit

Boundaries, stated plainly

The feature is deliberately conservative about scope.

  • Outflows only for now — credits are detected and parked, never posted
  • Only your allowlisted senders are ever processed or uploaded
  • Off by default; opt in per member, per phone

Shared living

Split — shared costs, settled properly

Group money with receipts, chat, and settle-ups that both sides confirm.

Households and friend groups don't fail at math — they fail at memory. Split keeps a group ledger: who paid, who still owes, what's waiting on confirmation, and a chat that doesn't vanish when the trip ends. Even people who don't use AccountHouse can be in the group as shadow members.

5 split modes, multi-payer, debt simplificationQR join and QR settle, face to faceSettlements acknowledged by both sidesGroup budgets, payables, templates & export

Groups that match real life

The flat, the holiday, the family pot — each a group with the people who need the same numbers.

  • Named groups with members, roles, and shadow members for non-users
  • Invite links and QR joining with a preview before you commit
  • Balances that simplify to the fewest transfers
  • An exit check that blocks leaving with unsettled balances

Payments with a paper trail

Logging a shared cost captures more than a number, so nobody reconstructs the night from screenshots.

  • Evenly, exact, shares, percentages, or custom obligations
  • Multiple payers can fund a single payment
  • Receipts required on payments — proof travels with the ledger

Settlements you confirm

Money moving between people is a claim until both sides agree — Split makes that explicit.

  • Settlements acknowledged or rejected, never assumed
  • Settle via QR when you're in the same room
  • Your share can post into your personal expenses, idempotently

A group is more than a ledger

Each group carries its own modules when you need them.

  • Group budgets, payables, and recurring reminders
  • Templates, receipt gallery, announcements, cross-group search
  • Ledger export to CSV, Excel, or PDF; admin activity trail

Shared living

Household chat and callsNew

The household's own thread — and voice or video when typing isn't enough.

One chat thread per household, wired into the same app as the money — mentions, replies, reactions, read receipts, voice messages, and pins. And when a message isn't enough, call each other: voice or video, one-to-one or a group call, straight from the Members screen with live presence.

@mentions, replies, reactions & read receiptsVoice messages and file attachmentsVoice/video calls for up to 6 peopleEncrypted at rest; search runs on your device

A chat that lives with the ledger

Identical in capability to a Split group chat — for the whole household.

  • @username and @everyone mentions, replies, emoji reactions
  • Delivery and read receipts; a 24-hour edit and delete window
  • Voice messages with duration, plus file attachments
  • Admins can pin, and remove a message for everyone

Calls with presence

The Members screen shows who's online or already on a call — then rings them properly.

  • Voice and video, one-to-one or group up to 6 participants
  • Full-screen incoming ring, even from the lock screen
  • Media flows through a dedicated real-time service — not stored, not recorded

Honest about encryption

Message bodies are encrypted at rest on the server and travel over TLS — at-rest encryption, not end-to-end, which is what keeps push previews and mentions working.

  • Bodies encrypted at rest, transport always TLS
  • Full-history search runs client-side on a local cache
  • Push previews and mention alerts still work

Shared living

Household members and roles

Everyone in, nobody over-powered.

A household is more than one person, and not everyone needs the same keys. Administrators invite members and assign a role that decides what each person can see and do — across web and every mobile app.

Admin, member & viewer rolesRead-only switch on any rolePer-member web and mobile access

Roles that fit real families

Three roles cover the common cases without becoming an admin hobby.

  • Administrator with full access and control
  • Member who records and manages their own activity
  • Viewer with read-only access to reports
  • Any role can be flipped to read-only entirely

Fine-grained access

Beyond the role, admins tune exactly where each person can go.

  • Separate control over web and mobile access
  • Write permissions granted or withheld per member
  • Per-member analytics so contributions stay transparent

Owner-only controls

The most consequential decisions stay with the household owner.

  • Advanced access policy over networks and devices
  • Full-household backup export and account deletion
  • The household-wide location kill switch

Shared living

Alerts, articles, surveys, and formsNew

An inbox for what the platform sends you — alerts, articles, and forms.

Alerts is the in-app inbox for platform broadcasts: service notices, articles worth reading, and fillable content — surveys, polls, quizzes, reviews. Items addressed to you wait with a badge until you've dealt with them, and your privacy in responses is a stated contract, not a hope.

Alerts, articles & fillable forms in one inboxPartial progress saves; decline is allowedConfidential responses stay aggregate-onlyPublic form links and QR codes for non-users

The member inbox

What's addressed to you, with a badge, until it's handled.

  • Alerts and articles render in full, in-app
  • Forms save partial progress; submit or decline at your pace
  • Open and close windows — a survey can have a deadline

Privacy in responses

Each form declares itself identified or confidential up front — and the promise locks at the first response.

  • Confidential results are reported only in aggregate buckets
  • No breakdown can single out one respondent
  • The declared mode can't be quietly changed later

Reaching beyond the app

Broadcasts can travel by email, and forms can be shared publicly.

  • Email distribution with delivery tracking
  • Public links and QR codes, revocable at any time
  • Optional email verification before a public submission

Wealth & goals

Goals — targets with a trajectory

Not “did we overspend?” but “are we actually getting there?”

Savings goals answer a different question than budgets: not whether dining went over, but whether the emergency fund is actually growing. Track targets, contributions, and whether this month's pace gets you there — behind a privacy gate that's on by default.

Named targets with contribution historyTrajectory check against the goal lineDeadlines export to your phone calendarBiometric/PIN gate, on by default

Named targets

Give each goal a destination and a way to measure progress.

  • Targets with amounts, deposits, and withdrawals
  • Contribution history so progress isn't guesswork
  • Custom banner images to keep a goal motivating

Pace check

Trajectory matters as much as the current balance.

  • A chart of pace against the goal line
  • Spot quiet slips before the year is gone
  • Optional inclusion in your net-worth picture

Wealth & goals

Assets, debts, and net worth

The balance sheet behind the monthly burn.

Month-to-month cashflow is half the story. The Asset Registry holds what you own, what you owe and what you are insured for — property, deposits, investments, retirement savings, debts, policies — with today's value of each, a clear net figure, and longer-horizon forecasts. It sits behind its own verified unlock, and it is always excluded from AI features.

Assets with valuation history & targetsDebts with schedules and payoff datesNet-worth forecast and allocation viewsIts own unlock — and always AI-excluded

Registry of own and owe

The household balance sheet without a spreadsheet hobby.

  • Assets and debts in one place, valuations over time
  • Net figure at a glance with allocation buckets
  • Currency previews across what you hold

Debts, worked down

Debts get their own machinery, not just a negative number.

  • Payments recorded against each debt, or a balance that follows its schedule
  • Payoff date and interest still to pay, with an extra-payment scenario

The longer view

Beyond this month's burn, see how the picture might look further out.

  • Long-horizon net-worth forecasts
  • A complement to dashboard cashflow, not a replacement

Wealth & goals

Financial Health — a score with a reason

A score that shows its work.

A single number is only useful if you know what moved it. Financial Health weighs budgeting, savings, bills, and Split settlements into one readable view — the drivers, the history, a forecast, and recommendations that point at something you can actually do this month.

Score with readable driversHistory and a forward viewRecommendations you can act on

What goes into the score

Behaviours that matter to a household month — not vanity metrics.

  • Budget adherence and savings signals
  • Bills and payables staying on track
  • Settlement pressure from open Split balances

Readable drivers

When the score moves, you get plain-language context instead of a black box.

  • The factors pulling the score up or down
  • Score history and a forecast of where it's heading
  • A place to act — budgets, bills, or settlements — not just stare

Intelligence

Analytics, reports, and projections

Where patterns become visible — and exportable.

Analytics is where the month stops being a number and starts being a shape: how now compares with recent history, where spending is accelerating, and what the year looks like if nothing changes. Everything worth keeping exports as CSV, Excel, or PDF.

Trends, categories, members & payment methodsSpike detection and projectionsCSV / Excel / PDF reports

Trends over time

History presented so change is easy to spot.

  • Multi-month comparison across categories
  • Month-over-month movement for spending and savings
  • End-of-year projection from current behaviour

Signals and reports

The app looks for the moments worth your attention and surfaces them.

  • Spending-spike detection for unusual activity
  • Per-member spending reports
  • Insights Engine cards inside Analytics when entitled
  • Statements and reports as CSV, Excel, or PDF

Intelligence

Insights Engine, IntelliVis, ReceiptVis, and InteliHouse

AI that drafts, explains, and suggests — and never writes your ledger behind your back.

Optional intelligence layers sit alongside the core ledger, each entitlement-gated and each leaving you in control. The house rule is absolute: drafts and suggestions, always reviewed, never silent writes. Every number an insight shows is computed deterministically from your records and checked before it reaches you — the narration may be generated, the math never is.

Insights Engine: a ranked feed with evidenceIntelliVis: charts that explain each findingReceiptVis: scan a receipt into a draft (~90s, live preview)InteliHouse: a copilot with per-area consentSmart categories that learn your household

Insights Engine

A household spending scanner that turns ledger history into a ranked feed of findings — recomputed automatically as your data changes.

  • Recurring charges, budget pressure, spikes, category drift, subscription creep
  • Every finding expands into evidence — why this was flagged
  • Read and dismissed states are personal, not household-wide
  • Guarded actions preview, then confirm — never silently apply

IntelliVis

The visual layer that makes each insight explainable rather than mysterious.

  • Timelines, budget progress, spike comparisons, category share, forecast bands
  • Evidence panels pointing back at the underlying spending
  • The same insight reads the same way on web and mobile

ReceiptVis

Receipts digitised at the moment of entry — scan, review, apply.

  • Camera, gallery, or PDF, including multi-page long receipts
  • A live scanner shows a fast provisional draft while the thorough pass finishes
  • Prefills merchant, amount, date, category hints, tip and tax
  • You always review before saving — OCR can misread

InteliHouse and smart categories

A conversational copilot for eligible accounts, plus categorisation that learns your household's own habits.

  • Ask about spending, bills, budgets, projections — streamed answers with charts
  • Per-area consent for income, goals, and cards; Assets and DocuVault always excluded
  • Proposed actions execute only after you confirm
  • Smart categories learn your naming conventions, not generic guesses

Intelligence

Location InsightsNew

Where the money goes — on an actual map.

Tag expenses with where they happened and the household gains a new axis: a spend heatmap, top places and areas, and an at-home versus out split around your own home zone. Capture is foreground-only at the moment of adding an expense — there is no background tracking, and the permission for it isn't even requested.

Spend heatmap with clusteringTop places & top areas rankingsHome zone: at-home vs out, with member overridesForeground-only capture, opt-in, deletable

The spend map

Aggregated, privacy-floored map views of household spending.

  • Heatmap and cluster views of where money goes
  • Top Places and Top Areas rankings
  • Coverage stats — how much of the ledger carries a location

Quick picks and the home zone

Tagging should cost zero typing.

  • One-tap chips for Home, saved presets, and frequent spots
  • A home zone splits spending into at-home versus out
  • Members living elsewhere set their own home override

Consent, in layers

Three switches stand between this feature and any capture at all.

  • Enabled per household; a household-owner kill switch on top
  • Each member opts in individually
  • Retention periods and outright deletion of location data

Intelligence

ForeSenseNew

What your shopping list will cost, before you leave the house.

Households that choose to share their receipt prices build one de-identified record of what things actually cost — and everyone with access reads price ranges off it. Your list will show a range per item and a range for the whole basket, each with the number of receipts behind it, once the shopper screens ship; the record and its estimates are live today, the screens that read them are still being built. Nothing about who shopped, what they paid in total, or which household a receipt came from is part of it.

A price range per item, with its sample sizeA basket range, not a flattering single numberNarrow 'milk' to the product you actually buyOpt-in, de-identified, switchable off

Ranges you can argue with

Every number arrives with the evidence behind it, or it does not arrive.

  • Low, typical and high from recent receipts on canonical units, so 1 L and 2 L compare honestly
  • Shown only above five receipts, three dates and two branches — otherwise it says how far short it is
  • A single shop's prices are never published as a range
  • The basket range accounts for items moving together, instead of adding the extremes

Where to shop, with reasons

Coverage of your particular list, never a cheapest verdict.

  • Suggested only when at least three of your items are covered and at least two shops qualify
  • Each suggestion says how many items it covers and how thin the evidence is
  • Price movement is reported for the market, never attributed to a named shop
  • A privileged, screened, audited view can name shops per item for households that qualify

Sharing is a decision, not a default

The household owner decides, and can undo it.

  • Off until the owner consents; the scanner will then show a standing notice
  • Pharmacy receipts and medical lines are rejected whole and never counted
  • Your total, payment method, shopper and household name are never shared
  • Switch it off and your estimates keep working — they were never only yours

Trust & privacy

DocuVault — documents that stay yours

Household papers the server itself cannot read.

IDs, contracts, insurance papers, and the files you never want floating in email. DocuVault encrypts documents on your device before upload — AES-256 with keys derived from your password and PIN — so the server stores ciphertext it cannot browse. Access is granted person-by-person, and every touch is audited.

Client-side AES-256 encryptionSharing via one-time access codesBiometric unlock on enrolled devicesFull audit trail of every access

A vault for household papers

The documents you actually need, organised for a household rather than a file dump.

  • IDs, leases, contracts, insurance and similar
  • Access scoped to your household, keyholder by keyholder
  • Keep originals of irreplaceable documents elsewhere too

Encryption you hold the keys for

The plaintext key never leaves your device — which means support genuinely cannot decrypt your vault, ever.

  • Encrypted on-device before upload, unlocked by password + PIN
  • A recovery key issued at setup — store it safely
  • Biometric device unlock on phones you enrol

Deliberate sharing

Bringing another member in is explicit, expiring, and revocable.

  • One-time access codes passed between people, out-of-band
  • The invitee re-secures access with their own credentials
  • Grants expire unused; keyholders can be revoked
  • Views, downloads, unlocks, and failures — all audited

Trust & privacy

Security — access, devices, and household data

Layered protection — from sign-in to the network your ledger opens on.

AccountHouse treats household finance as sensitive by default. Protection is layered: two-factor sign-in, sessions you can see and revoke, PINs and app lock on the surfaces that deserve them, an owner-controlled access policy over networks and devices, automated locks when activity looks wrong, and an encrypted full-household backup as the final safety net. A shared tablet should never be an open door to the ledger.

2FA by email code or mobile tap-to-approveSessions listed, renamed, revoked — per appOwner access policy: networks, devices, installsEncrypted .ahbak backup of everything

Sign-in and two-factor

Access starts with credentials you control — and a second factor when you want one.

  • Password sign-in with activation, reset, and recovery flows
  • 2FA by email one-time code, or mobile approve — a tap on your phone
  • New-login alerts by email and push
  • The same verification guards sensitive acts like API-key changes

Sessions and audit

A forgotten browser or an old phone should never stay signed in forever.

  • Every session listed with device, browser, and app identity
  • Rename, revoke one, or log out everywhere
  • A personal security activity log of sign-ins and challenges

PIN, app lock, and biometrics

Second gates for the moments the device is unlocked but the app shouldn't be.

  • Account PIN gates income, cards, Goals, and DocuVault
  • App lock on open — fingerprint, face, or PIN, with a short grace
  • Enabling app lock needs PIN and password, so it can't be quietly toggled
  • Biometrics stay on-device; AccountHouse never sees the template

Owner access policy

The household owner can decide which networks, devices, and installs may open the books at all.

  • Rules over IP ranges, device types, browsers, and specific installs
  • Each rule: off, step-up verification, or hard deny
  • Trusted installs — blessed, explained, revocable, auto-expiring
  • A recovery path if the owner fences themselves out

Locks, isolation, and the safety net

When something looks wrong, the system acts — and your data has an exit.

  • Automated security locks on abusive-looking activity, with email recovery
  • Every household's data isolated; passwords stored hashed
  • Owner-run encrypted backup (.ahbak) of every record and receipt
  • Deletion with a grace period, member notice, and cancellation

Trust & privacy

Notifications across email and push

The right alert, on the right channel, to the right app.

Notifications are how budgets, payables, Split activity, and unusual spending reach you when you aren't looking at the dashboard. Everything is configurable per kind and per channel — and if you run several AccountHouse apps on one phone, routing makes sure exactly one of them speaks, preferring AH Lite and AH Split.

Per-kind, per-channel preferencesOne phone, many apps — no duplicatesTest buttons to verify deliveryHistory of what was sent

What you can be told

The alerts cover what matters to a household month.

  • Budget warnings, exceeded notices, and spending spikes
  • Payable and calendar reminders; monthly summaries
  • Chat, calls, Split activity, and broadcast alerts
  • Security notices and sign-in approvals, delivered to AH Lite first

How it reaches you

You choose the channels, and you can verify them yourself.

  • Email and Android push, switchable per kind
  • Smart routing to one app per handset — AH Lite, then AH Split, then the original app
  • A test option and a notification history in Settings

Platform

Web, AH Lite, and AH Split

One account — AH Lite and AH Split on the phone, the dashboard in the browser.

AccountHouse is a family of apps sharing one backend and one account. The web dashboard is the full product in a browser. On Android, AH Lite is the everyday household app and AH Split carries group splitting on its own — with a Split web app for the browser. The original AccountHouse Android app is deprecated: it keeps working for people who already have it, but new installs use AH Lite and AH Split. They coexist on one phone without duplicate notifications.

AH Lite: the everyday household appAH Split: groups & settle-ups on their ownAH Split web app with the same sign-inAndroid home-screen widgets in both appsAll apps coexist on one handset

AH Lite — the household app

Built around adding an expense in seconds, with the household month around it.

  • Keypad-first add with tip, tax, receipts, and offline capture
  • Budgets, bills, income, receivables, calendar, goals, and the shopping list
  • Cards and bank accounts, insights, DocuVault, InteliHouse, and alerts
  • Sign-in approvals, help, support, and legal pages in the app

AH Split — groups on their own

For the people who only share costs with you and don't need the household ledger.

  • Groups, payments, settlements, chat, and QR join
  • Android app, plus the AH Split web app sharing your AccountHouse sign-in
  • Add a split payment to your personal expenses in one step

AccountHouse — the original app (deprecated)

The first Android app, kept running for the people who already use it.

  • Existing installs keep working, including chat and calls
  • No longer offered for new installs
  • Notifications prefer AH Lite and AH Split where they are installed

Living together on one phone

The apps are engineered to coexist rather than fight.

  • Separate identities — signing into one never signs out another
  • Notification routing picks one app per alert, per handset
  • Real-time sync keeps every surface on the same numbers
  • Android APKs from theaccounthouse.com/download/lite and /download/split; iOS via the web for now

Platform

The developer APINew

Your household's data, scriptable — keys, scopes, and webhooks.

For the household that also writes code: create API keys scoped to exactly the resources your tooling needs, and let webhooks push events to you instead of polling. A home dashboard on the wall, a spreadsheet that fills itself, an automation that files the utility bill — your data, your rules.

Per-household keys with explicit scopesQuotas and burst limitsSigned webhooks with retriesKey changes guarded by step-up verification

Keys and scopes

Access is granted per key, per resource — never all-or-nothing.

  • Keys scoped by category and resource
  • Quotas and burst limits per key
  • Creating or deleting a key requires step-up verification

Webhooks

Events come to you, verifiably.

  • Signed payloads your integration can authenticate
  • Automatic retries through transient failures
  • Managed from the developer portal

Platform

The supporting tools

The supporting cast that rounds out daily use.

Alongside the headline modules there's a set of smaller tools that make daily use smooth — from your first ten minutes in the product to the day you want every byte of your data handed back.

Guided onboarding, skippable and syncedCategory management with learning suggestionsEncrypted full-household backupA public status page with 90 days of history

Getting started well

The first run meets you where you are.

  • A short intake — who shares the household, what you're after
  • A guided story and tutorial, both skippable
  • Progress synced so web and mobile never repeat questions
  • The public Playground for exploring before you're approved

Organisation

Practical extras that keep the household running.

  • Category management tailored to your household
  • Statement export and Excel import
  • Version registry — every app shows what it's running

Your data, always yours

The exits are built as carefully as the entrances.

  • Full encrypted backup (.ahbak) of every record and attachment
  • Restore with a preview before anything is written
  • Deletion with a grace period and member notice
  • A public status page with live health and incident history

Ready when you are

AccountHouse is in beta and we onboard households one at a time. Register your interest and we will be in touch once a place opens up — or keep reading in the FAQ and Documentation.