Problem — many couples want to keep some finances separate while also having a transparent shared budget. ‘Yours-Mine-Ours’ is a common phrase on personal-finance subreddits, yet most existing PFMs treat every linked account as either 100 % joint or 100 % individual.

Evidence of demand

• Reddit – r/MonarchMoney post (May 2023) explicitly asks for “mine/theirs/ours” capability and has 50 + upvotes & discussion. Search for “yours mine ours budget” and “couples finance app reddit” returns dozens of threads recommending hacks (multiple Monarch workspaces, three YNAB budgets, Splitwise + Sheets) → clear pain point.
• Google keyword data (Ahrefs API) – “budget app for couples” 1 600 vol, KD 24, CPC $7.85 – “couples budgeting app” 1 600 vol, KD 30, CPC $7.85 – “couple finance app” 320 vol, KD 10, CPC $7.36 – “best budget app for couples” 1 300 vol, KD 29, CPC $7.98 – All are commercial intent, difficulty < 30 so SEO-acquirable. Total relevant search volume > 4 000 / mo.

Existing solutions & monetisation proof

• Honeydue – free, earns interchange; 100 k+ iOS reviews.
• Zeta / Couple Banking – recently acquired by Capital One; previously $5/mo premium. Shows willingness to pay....