For couples
Whatever your arrangement, it should be one you chose.
Most households organise money by accident: whoever moved in first set it up, and nobody revisited it. These are the situations couples bring to us, and what Feylo does with each.
“We earn different amounts.”
Feylo can work out contributions four ways: everything into one pot, an even split, a share in line with what each of you earns, or whatever leaves you both with a similar amount left over. You pick the principle. The plan does the arithmetic every month, including the pennies.
“One of us works less because of the kids.”
You can record that one of you has reduced their hours to care for someone, and agree what that should mean for contributions. It is a decision the two of you make once, rather than a conversation you have to repeat every payday.
“We keep some money separate.”
That is a normal arrangement, not a problem to be fixed. You can agree that each of you contributes an amount and keeps the rest, or that everything is shared with an agreed amount of personal money on top.
“We disagree about saving versus spending.”
You are asked separately what you would rather happen to money left at the end of the month, and how strongly you feel about having a cushion. Where you differ, Feylo says so in plain words and leaves the decision to the two of you.
“One of us has commitments of their own.”
A car loan, a phone contract, maintenance, a course. Those stay personal: they are paid out of what that person keeps, and they never shift the household’s costs onto the other partner.
“Our income changes month to month.”
Regular income is normalised to an average month so the plan holds steady. Money you were not counting on — a bonus, overtime, a one-off job — is handled separately, under a rule you agreed in advance.
“We have never actually agreed how this should work.”
Most couples have not. Arrangements tend to be inherited from whoever moved in first or whoever earned more at the time. Feylo gives you a structured way to have the conversation once, properly, and write down what you decided.
“We are paying off debt.”
Minimum payments are treated as commitments, like any other bill. Anything extra goes to the debts you chose to overpay, in the order you put them in. Feylo does not pick a repayment strategy for you.
The question underneath
“What would be fair?” is a question about people, not arithmetic.
On £2,600.00 and £1,800.00 a month, with £1,940.00 of household bills, here is what each answer actually leaves you holding.
None of these is the right answer. Two of them might be right for you. Example figures.
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.
Whatever you choose, personal money stays personal: agreed openly, spent privately.
Questions couples ask us
Do we both need the app?
Yes. Feylo is built for two people: each of you answers the questions on your own device, and the agreement needs both of you to accept it. One partner sets up the household and invites the other with a link.
Can my partner see what I answered?
No. Your answers are yours. What the two of you see about each other is a comparison written for both of you, topic by topic, rather than one person’s answers handed to the other. Creating the household confers no extra access.
Does Feylo tell us what is fair?
No, and it is designed not to. It shows you what each arrangement would mean in your own figures, and records the one the two of you choose. There is no recommended split, no score and no verdict on either of you.
Does it move our money?
No. Feylo does not connect to your bank, does not hold money and does not make payments. It tells you how you agreed to organise what you have. Moving it stays with you.
What if we change our minds?
Change the agreement and it needs accepting by both of you again before your plan follows the new rule. Changing the facts — a new salary, a new bill — takes effect straight away, because that is not a negotiation.
Are we the right sort of couple for this?
Feylo is built for two adults sharing a household, whether or not you are married, whether or not you have children, and whether you have been together six months or twenty years. It does not assume you both earn, or that either of you wants everything pooled.
Private beta
Decide it together, once.
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.