Life event · Moving in together
A joint account joins your own. centino shows all accounts in one overview, and transfers between you aren't counted twice.
Notify meSaturday morning, breakfast on the floor of the new flat. Jonas and Mira have the laptop between them and are trying to work out who actually pays for what.
They are 31 and 29 and have lived together for three months. Each has an account, plus a joint one for rent and shopping. They want to know: what does our household cost, and can we save together?
Rent and power go through the joint account, each transfers their share. The rest stays in their own accounts.
In centino: The Overview shows all accounts together. Transfers between their accounts count as neither income nor spending.
Groceries, toiletries, furniture: much goes from the joint account, some things one of them pays privately.
In centino: Spending & Income shows where the money goes, by category and across all accounts.
They want to go to the sea in the summer. How much do they need to put aside each month?
In centino: Under Saving goals they add the goal with an amount and a date and see whether they're on track.
Everything sits in one file encrypted with AES-256, protected by your password. No user account, no bank login, no server. What you look at stays with you.
centino is a file on the Mac. If it's in iCloud Drive, you can open it on both Macs, one after the other rather than at the same time.
No. With the category Transfer they count as neither income nor spending.
No. centino shows your own numbers clearly. You make the decisions yourself, with professional advice where needed. More under Notices and liability.
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