Feature tour

Designed for two people sharing one vision.

TwoPennies pairs thoughtful design with calm copy so your finances feel manageable, fair, and private. Every feature is crafted for couples who want clarity without losing autonomy.

Partnership system

Invite your partner, accept with a tap, and manage shared finances without joint accounts.

Seven-day invite expiry keeps access intentional.
Dual consent for any visibility change.
Timeline captures every key event for transparency.

Bank connections

Link your banks and pots securely through TrueLayer Open Banking with read-only access.

Connect Monzo, Starling, NatWest, Barclays, Lloyds, and more.
30-minute background sync keeps balances current.
Real-time health badge alerts you if anything drifts.

Goals & Journey Pots

Plan for holidays, homes, or rainy days with linked pots and milestone celebrations.

Auto-track linked pots or update manually.
Progress copy keeps things calm and encouraging.
Celebrate key milestones together with gentle delight.

Budget Canvas

Choose 50/30/20, 75/15/10, or create your own plan that fits your partnership.

Compliance bar shows how closely you’re tracking.
Bucket-level guidance highlights room to adjust.
Built-in income scenarios for dual earners or solo switches.

Fairness engine

Split contributions evenly or by income — and switch modes whenever life changes.

Integer pence precision for accurate guidance.
Income-weighted and custom ratios supported.
Fairness drift alerts keep contributions balanced.

Visibility controls

Share what matters, keep personal accounts private, and request access respectfully.

Dual approval ensures privacy decisions are mutual.
Per-account visibility lets you mix shared and personal views.
Pending requests surface gently inside the dashboard.

Transaction categorisation

Understand your spending with smart auto-categorisation and easy manual overrides.

15 calm, human categories with friendly language.
Merchant heuristics tidy your feed automatically.
Filter and search to find moments that matter.

Recurring tracker

Spot subscriptions, renewals, and regular commitments before they surprise you.

Auto-detection highlights recurring spend for review.
Manual entries cover cash or offline commitments.
Reminder banners prompt calm check-ins before renewals.

Weekly Calm Brief

Get a gentle weekly summary so both of you stay aligned without daily check-ins.

Delivered via email and in-app for subscribers.
Highlights wins, fairness, and upcoming commitments.
Shows gentle suggestions, never shaming nudges.

Shared timeline

Review key moments in one place — from invites to big decisions and upcoming goals.

Filter by events like visibility, goals, or bank actions.
Audit-friendly trail without feeling heavy or corporate.
Partners can comment and acknowledge changes together.

Every calm detail comes together in your dashboard.

Try it in demo mode, then connect your banks when you're ready. Your shared space stays private until you both opt in.

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