Combining lives doesn't mean
combining everything.
Miyo is the finance app for couples building a life together — every account has its own privacy dial, so saying yes to ours never costs you mine. Turn the dial and see exactly what changes.
Balance
$3,206.41
Trader Joe's
Groceries
−$84.12
Steam
Personal
−$19.99
Therapy
Health
−$140.00
Birthday gift?
Amazon Marketplace
−$180.00
Per account · Changeable at any time
Personal Checking •• 4821
$3,206.41
The number, not the story.
Your partner always sees that a private account exists. They just don't get to go through it.
Bank-grade encryption · Plaid-secured · No credit card to start
You just did the thing no other
finance app lets you do.
Every other app hands couples a switch. Miyo hands you a dimmer for each account, changeable at any time.
Every other app
Merge everything…
One login. Every latte, itemized. Total surveillance dressed up as transparency.
…or manage alone.
Two phones, two apps, no such thing as “ours.” Teamwork by group chat and guesswork.
Miyo
A dimmer on every account.
Private. Balance Only. Fully Shared. Your checking can whisper while the joint savings speaks freely.
One login is not a love language.
67%
of couples fight about money.1 Almost none of them fight about the amount. They fight about the surprise — the ambushes and the audits. A dimmer ends both.
1. Fidelity Investments, Couples & Money Study
You're allowed to have money
your partner can't see.
That's not a red flag. It's a boundary with a paper trail — and Miyo is the first finance app that treats it like one.
See exactly what they see.
Before they see it.
The Privacy Simulator shows your view and your partner's view side by side. Tap any dial. The right side updates instantly. In Miyo, this isn't a preview; it's the truth.
Personal Checking •• 4821
$3,206.41
Balance Only · carried over from above
Joint Savings •• 7733
$18,540.00
Fully Shared
Fun Money •• 0912
$642.77
Private
Personal Checking •• 4821
$3,206.41
Balance only — the number, not the story
Joint Savings •• 7733
$18,540.00
Auto-transfer
+$400.00
Interest
+$31.18
Change your mind at any time. Dials turn both ways.
“What's this $180 charge?”
— now a button, not a fight.
See something odd on a shared account? Don't open with a cross-examination. Flag it with a note. Your partner answers on their own time. Resolved — no ambush, no audit, no kitchen-table deposition.
Whole Foods
−$64.20
Con Edison
−$118.40
Amazon Marketplace
Yesterday at 9:12 p.m.
−$180.00
Inbox zero. Flag that $180 charge and watch what happens here.
Money talk on a schedule.
Never an ambush.
Every Sunday, you both get the same one-page digest. Then Money Date Mode turns it into a 15-minute check-in that ends the meeting for you — because the second-biggest money fight is the money conversation that never ends.
Drag through the week — notice what doesn't happen.
Groceries post quietly.
Shared charges land in the ledger. Nobody screenshots them at 11 p.m.
Surprise conversations this week: 0
The first complete picture
of a two-person financial life.
Mine, Yours, and Ours bring every account, debt, and asset into one view, while every account respects its own dial. You see the whole household without reading each other's diaries.
That's the difference between transparency and surveillance: one is a picture; the other is a camera.
Household net worth
$61,734
Personal Checking
$3,206
Still set to Balance Only — your dial, remembered.
Fun Money
$643
Private
Brokerage
$30,000
Balance Only
Student loan
−$8,400
Balance Only
Sam's Checking
$4,112
Balance Only
Sam's Roth IRA
$15,057
Balance Only
Car loan
−$1,212
Balance Only
Joint Savings
$18,540
Fully Shared
Shared credit card
−$212
Fully Shared
House down payment
$43,200 of $60,000
Goals live in Ours. Contributions can come from anywhere — even an account your partner can't see. The gift fund stays a gift.
Works brilliantly alone.
Ready when you both are.
Miyo is a complete personal finance app on its own — accounts, budgets, net worth, goals, the lot. Your partner is one invite away, but here's the part that matters: when they join, nothing becomes visible until you turn a dial.
Drag Sam to the phone — watch what gets shared automatically
Personal Checking
$3,206.41
Fun Money
$642.77
Brokerage
$30,000.00
Shared so far: $0.00
Every dial starts at Private. Your move.
Not one account. Not one balance. Nothing — until you decide otherwise.
“Can my partner override my privacy settings?”
No.
Not with any plan, role, or setting. That's not a feature — it's the architecture.
Read-only by design
Accounts connect through Plaid. We can display your money — never move it.
Bank-grade encryption
256-bit encryption in transit and at rest. Your bank credentials never touch our servers.
Never sold. Ever.
We don't sell your data. No credit card is required to start, and there is nothing to cancel.
Have the last
money fight.
Healthy finances need healthy boundaries. Miyo gives you both — and the settings you chose on this page become your real defaults. Start free and shape it as you go.
Personal Checking •• 4821 keeps the visibility you chose.