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How Paary works

Six rules. Everything in the app follows them.

  1. Private stays private.

    Your partner sees only what you choose to show of your own wallets: nothing, that a wallet exists, or its balance. Your personal entries stay private. Shared costs are visible to both of you: what, how much, and who paid. The wallet you paid from is shown only if you have chosen to show it.

    Example: your own account is private. Your partner sees the €60 you paid for groceries, not the account, not its balance, not the coffee you bought after.

  2. You record only in your own wallets and in the ones you own together.

    A wallet you own together is money you share. It counts for both of you.

    Example: Giulia and Luca own the household account together, so both record in it. Luca's own account is his: Giulia sees what he shows her and records nothing in it.

  3. Every entry says who paid and who it was for.

    That is all Paary needs for the Balance between you. Every number opens the entries behind it.

    Example: Giulia pays €60 for groceries for both of you. Luca is now €30 behind. Tap the €30 and you see the groceries.

  4. You change your entries.

    Your partner changes theirs.

    Example: Giulia records the €120 plumber from the shared wallet. Luca sees it and “Recorded by Giulia”. Only Giulia can change or delete it.

  5. Changing an entry changes only that entry.

    Correct the amount, and who paid, who it was for and the split stay as they were.

    Example: Giulia corrects €60 to €65. Luca is now €32.50 behind. Nothing else changed.

  6. Settling up clears everything recorded so far.

    An entry you add or correct later moves the Balance by exactly that amount.

    Example: you settle up on the 1st. On the 5th Giulia finds a receipt from the 28th and adds it. The Balance shows just that receipt's share, and the next settle-up clears it.

FAQ

Getting started

No. You don't need to change how you handle money. Everything shared, everything separate, settling up, or somewhere in between. You can set it in the app how it fits your way.

Yes. Paary works just as well for one. Start on your own and add your partner whenever you’re ready.

You create the household and send an invite code from Settings. Your partner installs Paary, enters the code and sees the household at once.

Create an account you both own. Expenses from it count as shared; with “For” you assign them to the household, to yourself or to your partner. What your partner pays from their own account, they record themselves after joining the household.

Privacy

Your partner sees only what you choose to show of your own wallets: nothing, that a wallet exists, or its balance. Your personal entries stay private. What you pay for both of you is visible to both: what, how much, who paid. Which wallet it came from is shown only if you show that wallet.

No. Paary does not connect to your bank. You add what you want to track, and it all lives on EU servers in Frankfurt.

Only the person who recorded it, shared account or not. No “you deleted it” discussions.

Money and Balance

Everything paid for the household counts, from a personal account or from the shared one. Your split rule (50/50, 60/40 …) says what each of you should carry; the difference is the Balance. You can change the rule for a single entry when needed. Settle up brings it back to zero.

Choose “Everything shared” in Settings and Paary stops calculating a Balance. Switch to a split later, and it starts counting from that day.

As one shared account with two owners. The shared account pays; you only say who it was for: the household, or one of you.

Home shows what was paid from your accounts, including shared expenses you covered. Budget shows what was spent for you, from any account. Shared expenses count in Budget · Shared.

Subscription

No. One of you subscribes and your partner joins free. One subscription covers both of you.

One yearly subscription for both of you, with a free trial first. Current price and what's included: see Pricing.

Bought on paary.app: open the receipt email from Paddle, our payment partner, and tap “Manage subscription”, or write to hello@paary.app. Bought in the App Store or Google Play: cancel in your store subscriptions. Cancel before the trial ends and you pay nothing. Afterwards the app stays readable and you can export everything.

Account and data

You keep everything that is yours, and your partner keeps everything that is theirs. Neither of you can see the other's accounts any more. The household history stays complete, so your numbers still add up.

Both in Settings → Your data. “Export data” gives you a file with every entry. “Delete account” removes your account and the data attributed to you; entries in shared accounts stay with your partner where they are needed for their records.

Italian, German and English. You can switch languages in Settings → Profile → Language.