Every module, explained properly

The dashboard is the first screen every household 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 within a few seconds. Every panel below is a distinct module you can read on its own or use as a jumping off point into the detailed sections of the app.

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. Settle face to face with a QR, or from the app when you’re not in the same room.

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 payment method, a receipt, a currency, and the member it belongs to. When you review the month, that detail is what makes the analytics meaningful.

IDs, contracts, insurance papers, and the other household files you never want floating in email. DocuVault stores them behind a PIN, with encryption that happens on the device so usefulness doesn’t require the server to read the contents.

Most households don’t need a bank feed dump — they need to know which card paid for what. My Cards lets you name the instruments you actually use, see spend against them, and keep sensitive digits optional behind a PIN.

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 — so you see the drivers, not a random feed metric.

Month-to-month cashflow is only half the story. The asset registry holds what you own and what you owe — property, cash, investments, debts — with a clear net figure and longer-horizon forecasts when you want the bigger picture.

Savings goals answer a different question than budgets: not “did we overspend dining?” but “are we actually getting closer to the emergency fund?” Track targets, contributions, and whether this month’s pace gets you there.

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

A budget is only useful if it tells you something before the money is gone. AccountHouse lets you set limits per category and then watches them for you, sending a message when you approach and again if you cross the line, without turning into a stream of daily noise.

The analytics section is where patterns become visible. Instead of a single number, you see how the current month compares with recent history, where spending is accelerating, and what the year is likely to look like if nothing changes. When Insights Engine is enabled for your household, Analytics also hosts smart insight cards with IntelliVis charts.

Three optional intelligence layers sit alongside the core ledger. They are entitlement-gated — enabled for your household or account by plan and/or admin — and always leave you in control: review drafts, charts, and suggestions before anything changes your books.

Recurring commitments such as rent, utilities, and subscriptions deserve their own space because missing one has real consequences. Payables let you schedule these obligations, receive reminders before and on the due date, and keep a record of what has actually been paid.

A household is more than one person, and not everyone needs the same level of access. Administrators invite family members and assign a role that decides what each person can see and do, across both the web dashboard and the mobile app.

AccountHouse treats household finance as sensitive by default. Protection is layered: hashed passwords and email verification at the account, optional email two-factor on every sign-in, sessions you can see and revoke, an audit trail of security events, optional PIN and app lock on web and mobile, biometrics on supported phones, and automated responses when sign-in activity looks wrong. The goal is simple — a shared tablet or borrowed phone should not be an open door to income, documents, or the ledger.

Notifications tie the whole app together. They are how budgets, payables, and unusual spending reach you when you are not looking at the dashboard. Everything is configurable, and you can send a test at any time to confirm it is working on your device.

The Android app is a full companion to the web dashboard rather than a cut down version. It is built for the moments when an expense happens away from a computer, and it keeps every household member connected to the same data in real time. Everything you record on the phone appears on the web, and everything on the web appears on the phone.

Alongside the headline modules there is a set of smaller tools that round out daily use. None of them is an afterthought, and together they cover the parts of running a household budget that other apps tend to leave out.