Private beta · UK
Money that works for both.
Two people rarely think about money in exactly the same way. Feylo helps you understand where you already agree, decide the rest together, and turn it into a plan built on what you actually earn.
Built for couples in the UK. No bank connection needed, and nothing is shared with your partner that you haven’t agreed to share.
Your plan
Worked out from the rules you agreed and the money you’ve recorded.
Coming in
Household money
You each put in a share of what you earn, so the bigger earner covers more.
Keeps £777.27
Keeps £532.73
The rule it follows
You each put in a share of what you earn, so whoever earns more covers more of the bills.
Accepted by both of you. It doesn’t change unless you both change it.
Example figures.
The bit software usually skips
Money is rarely a maths problem.
Most budgeting apps are very good at telling a household where its money went. Almost none of them help two people decide where it should go next, which is where the difficulty actually lives.
Nobody in these conversations is being unreasonable. They’re working from different starting points, and no app can settle that by producing another pie chart.
On saving
“I’d rather we enjoyed some of it now.”
“I don’t relax until there’s a cushion.”
On the bills
“Straight down the middle feels equal.”
“Down the middle leaves me with nothing.”
On spending
“I shouldn’t have to justify a haircut.”
“I’d just like to know roughly where we are.”
How it works
Five steps, and one conversation.
You can do the first two in an evening. The rest happens whenever the two of you have half an hour.
Put in what you have
What each of you earns, what the household pays out, what either of you pays on your own. Typed in, not connected to a bank.
Takes about ten minutes between you.
Answer separately
Twelve questions about how you think money should work, answered on your own phone. There are no right answers and no scores.
Your answers stay yours.
See where you already agree
Feylo shows where your views line up and where it might be worth talking. Often that’s further along than either of you expected.
Nothing is decided at this point.
Agree how it should work
A handful of decisions, from what counts as household money to what happens to a bonus. Either of you can decide any of it.
Nothing counts until you have both said yes.
Get your plan
Your agreement and your real figures become a monthly plan: contributions, commitments, personal money, and where anything left over goes.
It updates when your money does.
Fair, not identical
Splitting it down the middle is equal. It isn’t always fair.
Say one of you brings home £2,600.00 a month and the other £1,800.00, having cut their hours to look after a child. The household bills come to £1,940.00.
There are several honest ways to cover that, and they leave the two of you in very different positions. This is the conversation Feylo is built around.
| Approach | You put in | Sam puts in | You keep | Sam keeps |
|---|---|---|---|---|
| Split down the middleEach of you puts in the same amount. | £970.00 | £970.00 | £1,630.00 | £830.00 |
| In line with what you earnWhoever earns more covers more of the bills. | £1,146.36 | £793.64 | £1,453.64 | £1,006.36 |
| So you are both left with the sameThe bills are divided to even out what each of you keeps. | £1,370.00 | £570.00 | £1,230.00 | £1,230.00 |
Feylo does not tell you which row is fair. It shows you what each one means, and records the one you choose together.
Whichever you pick becomes a rule your plan follows every month, and it only changes when you both change it. Example figures throughout.
Personal money
Together doesn’t have to mean everything is shared.
Most couples want some money that is simply theirs. Not hidden, not secret — agreed, and then left alone.
- You agree the amount together. The same each, in line with what you earn, or nothing separate at all. It is one of the decisions you make.
- The plan funds it before anything optional. Personal money is not whatever happens to be left at the end of the month.
- What you spend it on stays yours. Your partner can see that the agreed amount was set aside. They do not get an itemised list of where it went.
Personal money
You agreed the same amount each, funded before anything left over is put to work.
Yours is yours. Neither of you sees what the other spends it on.
Example figures.
Real households
Built for the way people actually live.
Feylo does not assume both of you earn the same, work the same hours, or want the same things. It asks.
One of you earns considerably more
Proportional contributions, an even split, or whatever leaves you both with a similar amount. You decide which, and the plan follows it.
One of you cut your hours for the children
A care arrangement can change how contributions are weighted, without either of you having to bring it up every month.
One income, for now
A household with one earner still has two people in it. Personal money and contributions work the same way.
Someone is on parental leave
Income drops for a while and then returns. Recording it is a change to the facts, not a new negotiation.
You each have commitments of your own
A car loan, a phone, a gym. Personal commitments stay personal: they never quietly become a household cost.
You are paying down debt
Minimum payments are commitments. Anything extra goes in the order you chose, not in an order the app thinks is optimal.
You are saving for something together
A deposit, a wedding, a year off. Goals take their turn in the priority order you agreed.
Your income is not the same every month
Bonuses, overtime and one-off work are handled as they arrive, under the rule you already agreed for them.
In the app
From a private answer to a plan you both signed off.
Every sentence in Feylo is written to be read out loud to the person you live with. There is no jargon, no score and no verdict on either of you.
Money each of you can spend on yourself without explaining it. How should that work?
Answered on your own
Twelve questions, about five minutes. Your partner never sees your answers.
Money of your own
Money each of you can spend without explaining it.
You want similar things here
You both want some money that’s yours. You differ on how much it should track what each of you earns.
The same amount each, whatever we earn.
In line with what we each bring in.
Where that meets
Neither of you wants it pooled. The question is the size of the gap between you.
There’s nothing to decide here yet.
Common ground, topic by topic
What you both said, put into words neither of you has to defend.
You each put in a share of what you earn, so whoever earns more covers more of the bills.
Accepted by both of you. It doesn’t change unless you both change it.
Agreed by both of you
One partner cannot set the household’s rules alone. Change something and it needs agreeing again.
What’s left
In the order you agreed. Each one takes what it needs before the next.
Not earmarked for anything. It’s the household’s to spend this month.
Where anything left over goes
In the order you chose. Destinations that received nothing say which kind of nothing it is.
Built to be trusted with a difficult subject.
How we handle your dataNo password to lose
You sign in with a single-use code sent to your email. Codes are stored hashed, expire, and are destroyed once used.
Your answers are yours
Your partner cannot read what you answered. What you see about each other is written for both of you, by us, on purpose.
No bank connection
Feylo does not connect to your bank accounts and has no access to your transactions. You tell it what it needs to know.
Private beta
Money that works for both.
Feylo is open to a small number of UK households while we get it right. If you and your partner would like to be among them, tell us where to find you.
We are looking for couples who are willing to tell us plainly what does and doesn’t work. In return you get the product free for as long as it is in beta.
That’s all we need.
Thanks for putting your name forward. We read every one of these.
- We’ll reply from [email protected], usually within a few days.
- That email has everything you need to set Feylo up on your phone.
- You invite your partner from inside the app, with a link.