Creating a Household

Overview

A household lets you share financial data with a partner or family member while keeping control over what's visible and who can do what. It's designed for couples and small households managing finances together.

Household tier subscription required.

Creating Your Household

1. Sign in and open household management. If you already have a household, you can also use Household > Manage Household.
2. Select Create Household
3. Name your household (for example, "The Smiths" or "Our Family") and select Create
4. You automatically become the Owner

Inviting Members

Once your household is created:

1. Select Invite Adult
2. Enter a full email address, or leave Email (optional) blank for a shareable link
3. Choose the role:
   • Partner: full edit access, except billing and household deletion
   • Member: can edit shared transactions
   • Viewer: read-only access, useful for parents or advisors
4. Select Create Invite and check the delivery message. For a blank-email invitation, select Copy Invite Link and share it privately. Links are valid for 7 days.

The form defaults to Viewer. Choose Partner or Member if the person needs editing access and a member seat is available. An emailed invitation must be accepted using the same email address.

For the full step-by-step (including delivery problems and removing members), see Inviting and Managing Household Members.

The invited person needs a NivoaFlow account. If they do not have one yet, they can create a free account and accept the invitation.

Free Members Get Premium Access

Here is a great benefit of the Household tier: when you invite someone who is on the Free tier, they automatically get premium access through the household subscription. They do not need their own paid plan. Yours covers them.

That means a couple can have one Household subscription and both partners benefit from Plaid sync, reports, debt planner, forecasting, and the rest.

What Happens Next

After creating your household:

• Choose which accounts to share: you control what's visible. See sharing accounts.
• Set ownership rules: auto-tag transactions on shared accounts as Mine, Theirs, or Ours. See shared goals and ownership rules.
• Start collaborating: view shared accounts, coordinate budgets, and track household goals together

Household Limits

• The household Owner manages billing through their subscription
• The Household plan currently includes 2 adult seats: see household seats and billing

Leaving or Deleting a Household

• Members can use Leave Household from Household > Manage Household. If confirmation does not complete, ask the owner to remove you or contact support
• Only the Owner can delete the entire household
• Deleting a household removes the sharing links but does not delete anyone's personal data. See deleting your account for full account deletion.