We earn plenty — do we need this?
If you cannot say what your fixed-cost ratio and savings rate are, then yes. High income mostly delays the consequences of not knowing.
Industries — Dual-income professionals
Two careers, one financial life
Two good salaries do not automatically make a coherent financial life. Usually they make two of them, loosely connected by a rent payment.
In short
Dual-income households have enough money for the problem to be coordination rather than shortage. SharedNest splits shared costs proportionally, keeps one live balance, projects fixed commitments forward, and flags lifestyle creep — the slow rise in spending that absorbs a pay increase before it reaches a goal.
Multi-currency: euro, US dollar and pound sterling, with a base currency per household and per-member display preferences.
What goes wrong when both partners earn well?
Spending expands quietly. Two salaries fund two sets of subscriptions, more convenience purchases and a higher baseline, and because nothing ever bounces, nobody notices that the savings rate has not moved in two years.
The fix is visibility rather than restriction. When the fixed-cost ratio and the savings rate are on screen, a new commitment gets weighed instead of absorbed.
How do busy professionals keep a ledger current?
By making entry nearly free. Receipt scanning, mobile quick-add and recurring bills mean most of the month records itself, and the reading happens once a week rather than every day.
- Recurring bills covering the predictable majority of spending
- Receipt scanning for the rest, in seconds
- A Monday digest with pace, projection and upcoming bills
- Category ceilings that flag at 80% without you checking
- Shared goals so bonuses have somewhere to go
What about bonuses, equity and irregular income?
Treat them separately from the monthly ratio. Log the month they arrive, direct a fixed percentage into goals immediately, and keep the standing split based on regular income so the arrangement stays stable.
Does it handle two countries or two currencies?
Partly. A household has one base currency from euro, dollar or pound, and each member chooses how amounts are displayed — enough for cross-border couples paid in different currencies, provided you settle in one.
A worked example: where the raise went
Combined net income rose from €6,000 to €6,800 over two years.
- Shared fixed costs, before
- €2,700
- Shared fixed costs, after
- €3,240
- Subscriptions, before
- €54
- Subscriptions, after
- €121
- Savings rate, before
- 18%
- Savings rate, after
- 17%
An €800 raise produced no additional saving. Visible on a recurring-bills page in one glance; invisible in a bank app forever.
Questions people ask
Can we split fixed costs by income and fun money evenly?
Yes. The split rule belongs to the expense, so mixed approaches need no workarounds.
Do you connect to our banks?
No. Expenses are entered or scanned, which keeps banking credentials out of the app and lets each expense carry its own split.
Is there anything for planning ahead?
Recurring bills project forward, savings goals show time to target, and the advisor will run "what if we saved €X" against your real figures.
Keep reading
Ready to align on money — for good?
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.