Households & Sharing

A household is your sharing space. Everyone gets a personal household automatically at sign-up, so you never have to create one — you just invite others when you’re ready to share.

Account visibility

Sharing is controlled per account with three settings:

Change an account’s visibility any time on the account’s edit screen. Private is the default.

Shared visibility is a Household plan feature. On the free Solo plan all accounts are private. See Plans & Billing.

Inviting people

Household admins can add members two ways:

1. Email invite — send an invite to someone’s email address; they accept via a link. You choose whether they join as admin or member.
2. Join code — generate a code and share it; the other person enters it to request to join, and an admin approves the request.

An email invite can only be accepted by someone signed in with that email address, verified on their WorthSync account. If the invite went to a different address than the one you sign in with, add and verify that address in Settings → Security & Devices, or ask the admin to send a new invite to the address you use.

Admins can revoke pending invites, rotate or revoke the join code, approve/deny join requests, change member roles, and remove members.

Joining an existing household

If you’re invited to a household:

• If you’re the only member of your current (personal) household, accepting is seamless — your solo household is dissolved, your accounts revert to private, and you move over automatically.
• If your current household has other members, you must leave it first before joining another. (This prevents accidentally stranding the people you share with.)

Leaving a household

When you leave a household, WorthSync automatically creates a fresh personal household for you so you’re never left without one. If the household you left becomes empty, it’s cleaned up automatically.

Collaborating

Once you share a household, you get:

• A shared net-worth view (the My / Shared / Combined toggle).
• Shared goals that the whole household tracks together.
• A rich Activity Feed of recent changes across your shared accounts. You can add comments and emoji reactions directly on feed items (like a new snapshot or a paid-off debt) to talk about your money in context. The feed keeps everyone in sync without needing a separate group chat.
• Money Date — a monthly shared check-in (below).

Money Date

Money Date is a short, structured check-in for the household, reached from Household. It opens on the current month and pulls together the three things worth looking at together:

• Combined net worth, with the date of your latest balance.
• Since prior balance — how much it moved, in dollars and percent.
• Data to review — how many accounts are stale or estimated.

Under that, a three-step check-in agenda:

1. Confirm the picture — clear stale or estimated balances in Monthly Review before making decisions.
2. Notice movement — your biggest mover for the period.
3. Choose one next move — turn the conversation into a goal or a planning change.

This month’s shared note is a comment thread scoped to that month, so wins, decisions, and open questions stay attached to the check-in they came from. Every household member sees the same thread.

Money Date is a Household plan feature — it’s bundled with the monthly recap. See Plans & Billing.

Roles at a glance

The last admin of a multi-member household can’t leave or delete their account until they hand off the admin role — this protects the rest of the household.