About

Couples are handed the maths, and left to argue about the rest.

Feylo exists because of a gap that seemed too obvious to still be there: two people are expected to merge their financial lives, and nothing helps them agree how.

Ask a couple how they organise money and you tend to get a story rather than a system. One of them opened a joint account years ago. One of them earned more at the time, so they put in more, and that stuck even after it stopped being true. Someone pays for the shopping because they do the shopping. Nobody has ever said out loud what the rule is.

It works, mostly, until something changes. A baby. A pay rise. A change of hours. One of those moments where the arrangement nobody agreed to stops fitting, and the conversation that follows is not really about money at all. It is about whether the other person thinks this is fair, and neither of you has the language for it.

There is no shortage of software for the part that is easy. Budgeting apps are extremely good at categorising what a household spent. Almost none of them help two people decide what their money should do next, which is the part that is actually hard, and the part that requires both people to be in the room.

Feylo started from the other end. Before it calculates anything, it asks each of you separately how you think money should work — not what you spent, but what you believe about contributions, saving, and money of your own. Then it shows you both where you already agree, which is usually further than either of you expected. What is left is a short, specific conversation instead of a vague, recurring one.

What you decide becomes an agreement: written down, in your words, accepted by both of you. Feylo turns it into a monthly plan using your real figures, and then holds you to it, in the sense that it never quietly changes the rules you set. When life changes, you change the facts and the plan follows. When you want to change the arrangement itself, you both have to say so.

That is the whole product. It is deliberately narrow, and deliberately opinionated about one thing only: that the couple decides, and the software does what it was told.

What we hold to

Four things we decided early, and have not moved on.

We do not decide what is fair

Feylo will show you what an arrangement means in your own figures. It will never tell you which one a good partner would choose. The moment software starts grading people on that, it has stopped being useful and started being another voice in the argument.

Both people, equally

There is no primary account holder. Whoever sets the household up gets no extra visibility, no casting vote and no ability to set the rules alone. If that sounds obvious, it is worth checking how many financial products actually work that way.

Private things stay private

Your answers are yours. Personal money is agreed in the open and spent without an audit. We designed those boundaries before building the features that sit on top of them, because they cannot be retrofitted honestly.

Say what is true

Every number in the app is explained in a sentence you could read out loud. We do not round awkward results into nicer ones, and when a month does not work, the app says so instead of producing a plan that cannot happen.

Talk to us

We read everything, and during the beta you are effectively talking to the people building it.

Private beta

Help us get it right.

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.

We’ll only use your address to talk to you about the beta. No marketing lists, and you can ask us to delete it at any time.