Knowledge Hub
Your Guide to Household Finances
Practical, UK-focused guides to help you and your partner budget, save, tackle debt, and build a stronger financial future together.
Popular Guides
Getting Started with JoinFunds
Set up your household, add your first bank account, and import your CSV bank statement in under five minutes. A quick-start guide for UK couples.
Managing Money as a Couple: A Complete Guide
Learn why joint financial management matters, how to have the money talk, and how to choose between joint, separate, and hybrid accounts for your household.
Setting Budgets
Create monthly spending limits for each category, track progress with colour-coded bars, and review your annual budget performance as a couple.
Building an Emergency Fund in the UK
Learn how much to save for emergencies, where to keep your safety net in the UK, and how to track your progress with savings goals.
Getting Started
Getting Started with JoinFunds
Set up your household, add your first bank account, and import your CSV bank statement in under five minutes. A quick-start guide for UK couples.
Adding Banks & Accounts
Add bank accounts from 29 UK banks, choose between GBP, EUR, and RON currencies, and manage multiple accounts in one place.
Importing Transactions
Export CSV statements from your UK bank, upload them to JoinFunds, and let auto-detection handle column mapping and categorisation.
Budgeting
Setting Budgets
Create monthly spending limits for each category, track progress with colour-coded bars, and review your annual budget performance as a couple.
Categories & Auto-Categorisation Rules
Understand the 48 default UK spending categories, create custom ones, and set up rules that automatically categorise your bank transactions.
Recurring Bills & Subscriptions
Automatically detect recurring payments like Netflix, gym memberships, and utility bills. Manage them across status tabs and track your regular outgoings.
Monthly Financial Review: How to Do It Right
A step-by-step process for reviewing your household finances each month. Learn what to look for, how to use JoinFunds review features, and how to build the habit.
Saving & Goals
Savings Goals
Create shared savings goals, track contributions from both partners, celebrate milestones, and manage goals in GBP, EUR, or RON.
Understanding Your Net Worth
Learn what net worth means, how to calculate it for your household, and how to use JoinFunds to track assets, debts, and your overall financial health.
Building an Emergency Fund in the UK
Learn how much to save for emergencies, where to keep your safety net in the UK, and how to track your progress with savings goals.
Tax-Efficient Savings for UK Couples
Maximise your household savings with ISA allowances, Marriage Allowance, capital gains strategies, and pension contributions. UK tax year 2025/26 guide.
Debt Management
Net Worth, Debts & Assets
Track your complete household financial picture: bank accounts, property, vehicles, loans, and credit cards. See your true net worth and plan debt payoff strategies.
Debt Payoff Strategies: Snowball vs Avalanche
Compare the snowball and avalanche methods for paying off debt, understand UK-specific considerations for student loans and mortgages, and track your progress.
Managing Money as a Couple
Inviting Your Partner
Send an invitation to your partner, understand their permissions, and start managing your household finances together in real time.
Monthly Review
Review your household spending each month by flagging transactions, leaving comments, and tracking review progress together as a couple.
Account Visibility & Privacy
Control what your partner sees for each account — share everything, show balances only, or keep accounts completely private. Fine-grained privacy for couples.
Managing Money as a Couple: A Complete Guide
Learn why joint financial management matters, how to have the money talk, and how to choose between joint, separate, and hybrid accounts for your household.
Advanced
Dashboard Customisation
Toggle dashboard cards on or off, drag to reorder them, and reset to the default layout. Personalise your household finance overview.
Data Export & Privacy
Export your household data in JSON or CSV format, request account deletion with a 30-day grace period, and understand your UK GDPR rights.
Bank Export Guides
Bank CSV Export Guides
Step-by-step instructions for exporting CSV bank statements from all major UK banks including Barclays, HSBC, Nationwide, Monzo, and Revolut.
Export CSV from Barclays
How to download your Barclays bank statement as a CSV file for import into JoinFunds.
Export CSV from HSBC
How to download your HSBC bank statement as a CSV file. Covers both current and legacy formats.
Export CSV from Nationwide
How to download your Nationwide building society statement as a CSV file for import into JoinFunds.
Export CSV from Revolut
How to download your Revolut transaction history as a CSV file. Covers both Categorized and Classic formats.
Export CSV from Monzo
How to download your Monzo transaction history as a CSV file for import into JoinFunds.
Export CSV from Starling Bank
How to download your Starling Bank statement as a CSV file for import into JoinFunds.
Export CSV from Lloyds Bank
How to download your Lloyds Bank statement as a CSV file for import into JoinFunds.
Export CSV from NatWest
How to download your NatWest bank statement as a CSV file for import into JoinFunds.
Export CSV from Chase UK
How to download your Chase UK bank statement as a CSV file for import into JoinFunds.
Export CSV from Santander
How to download your Santander UK bank statement as a CSV file for import into JoinFunds.
Export CSV from TSB
How to download your TSB bank statement as a CSV file for import into JoinFunds.
Export CSV from Wise
How to download your Wise (formerly TransferWise) transaction history as a CSV file for import into JoinFunds.
Export CSV from First Direct
How to download your First Direct bank statement as a CSV file for import into JoinFunds.
Export CSV from Halifax
How to download your Halifax bank statement as a CSV file for import into JoinFunds.
Export CSV from Virgin Money
How to download your Virgin Money bank statement as a CSV file for import into JoinFunds.