See your household net worth without sharing logins
Most couples in Singapore track money in two places, then meet over coffee with two screens to compare. Mental math gets done, the joint mortgage is counted twice, and nobody's quite sure what the household is actually worth. Merlio gives both of you your own account, and a single combined view when you toggle Household.
The two-spreadsheet problem
Most couples in Singapore handle money in two spreadsheets, two apps, or one shared spreadsheet that one of you maintains and the other glances at. None of those quite work once a joint mortgage and joint goals are in the picture.
The math problems are real. Did we count the mortgage once or twice? Whose CPF goes in the household total? Are we comparing combined net worth against combined goals, or against one of our individual targets? You end up with a feeling about your wealth instead of a number.
Most couples want one view. Most want to keep their own logins. Those two things shouldn't be in tension.
How household mode works
Three steps. No shared password, no merged account, no data duplicated behind the scenes.
You each have your own Merlio account.
Both partners sign up separately. Your data stays in your own account, scoped by user ID, with row-level security on every table. You log in as you, they log in as them.
You invite your partner with a signed link.
From Sharing settings, choose what categories to share (investments, CPF, property, cash). Your partner accepts via the link. They can mirror the same categories back, or choose less.
Toggle Household to see the combined view.
Combined net worth, partner attribution, joint mortgage deduplication. Toggle off, you're back to your own view. Nothing changes about how either of you tracks individually.
What stays private, what gets shared
Sharing is per-category, not all-or-nothing. You can show your partner your investments and CPF but keep your salary or your loan separate. They can do the same on their side. The two opt-in lists are independent.
They see your numbers, not your account. They never sign in as you, never see your transaction-level details unless you choose to share them, and never see anything from a category you didn't opt in to. The Edge Function that fetches partner data validates the accepted share row before returning anything, so there's a single trust boundary doing the checking.
You can revoke a share at any time. The combined view stops working immediately. No data is duplicated, only displayed jointly when both sides have agreed.
How the math works
Two design choices that make household totals trustworthy.
Joint mortgages are deduplicated.
When both partners track the same loan, set the same shared_asset_id on both rows. Merlio recognises the duplicate and counts the loan once in the household total. Without this, your combined net worth would be understated by the full mortgage balance, which is the most common silent bug in any couple's spreadsheet.
Both partners keep their own targets.
Each of you sets your own allocation targets, your own CPF projection, your own savings rate. The household view computes a weighted blend against combined assets so you can see where you are versus where you each said you wanted to be. Nothing is averaged away or overwritten.
Where it shines
Four parts of Merlio that change meaningfully when Household is on.
Combined net worth at the top.
The Household hero shows your two combined net worth in a single number, with You / Partner attribution underneath. Theme-aware colours so partner contributions read distinctly across light, dark, and glass themes.
Holdings table with owner chips.
When both partners hold the same ticker, both rows appear in the holdings table with an owner chip on each. Same view, no merging or hiding which units belong to whom. A small warning surfaces when a ticker shows up on both sides so you can spot accidental duplication.
History tracks both of you and combined.
The net worth trend on the History page draws three lines: yours, your partner's, and combined household. You can see who's growing faster, or whether the growth is driven by joint or individual decisions.
CPF stays side-by-side, never summed.
CPF is personal. Merlio shows yours and your partner's in a sub-toggle on the CPF tab, never as a single combined number. Projections run on each of your settings independently, with separate housing deductions and separate BHS caps.
What it doesn't do (yet)
An honest list of gaps, so you can decide if Merlio fits.
- We don't have shared expense tracking with split logic. If you want to track who paid for what and how to settle, that's not in Merlio yet.
- We don't have a unified shopping cart for joint purchases or shared budget envelopes.
- The
shared_asset_idUUID for joint mortgages is set in the database today. A friendly UI to set it from the Sharing settings is coming, but for now ask us if you need help linking the two rows.
If those gaps matter, you might want a dedicated couples-finance app alongside Merlio. We're focused on net worth and wealth, not weekly groceries.
Pricing
Household mode is available on every plan. Premium unlocks three things: the AI portfolio analyst so you can ask questions about your combined wealth in plain English, automatic daily net worth snapshots so your joint history builds without manual saves, and unlimited holdings so neither of you hits a cap.
Three ways to pay. Every plan includes the same 60-day free trial, no credit card required.
S$59 / year
Best ongoing value. Works out to about S$4.92 a month.
Start free trialS$39 first year
Then S$59 a year. Expires 31 Aug 2026.
Start free trialEvery plan includes a 60-day free trial. No credit card required.
Each partner has their own account and subscription. Sharing is one-to-one, both ways.
Frequently asked questions
Does each partner need their own subscription?
Yes. Each of you has your own account, your own data, your own subscription. Household mode is a view across two accounts, not a shared seat.
Can my partner see my passwords?
No. They never sign in as you. They see your numbers in shared categories only, never your transaction-level details unless you opt in to that.
What about our joint mortgage?
Both partners can track the loan. To avoid double-counting, set the same shared_asset_id on both rows and Merlio counts it once in household totals.
What if we break up?
You revoke the share from Sharing settings. The combined view disappears immediately. Both accounts continue independently. No data is lost on either side.
Can three or more people share?
Not currently. Household mode is a one-to-one share between two accounts. Polyamorous households, families with adult children, business partners, all valid use cases. We're focused on couples first.
Does it work for unmarried couples?
Yes. There's no marriage check. Anyone with a partner whose finances they want to combine can use it.
Is my data private from my partner outside the categories I share?
Yes. Categories you don't opt in to are completely invisible to them. Same for them on their side.
Does Merlio recommend a household budget or split?
No. Merlio is a tracker, not a budget tool. We don't suggest 50/50 splits or savings rate targets. For personalised financial advice, speak to a MAS-licensed financial adviser.
Try Merlio free for 60 days. No credit card. Cancel any time.
Each partner signs up separately. The combined view appears after one of you accepts the share.