Guides / Share the costs
Joint or separate accounts?
All joint, all separate, or a mix. Pick what fits.
There's no single right answer. What matters is that you both understand and agree with how it works.
Common setups
- All joint: everything pooled, simple and fully shared
- All separate: each pays agreed shares of shared costs
- Yours, mine and ours: a joint account for shared bills and goals, plus personal accounts
Things to agree
- Who pays which bills, and from where
- How much each person adds to shared accounts
- Who can see which accounts
General educational information, not financial or legal advice. Coin Jar Club isn't paid by any bank, lender or app.