Family budget app — overview instead of surprises
Groceries, rent, kids, leisure: Equna turns a chaos of single expenses into a real family budget with clear areas, warnings and a monthly close.
Start free. GDPR-compliant. Made in Germany.
Why family budgets are hard to keep
Families have many small expenses across many areas — and new ones keep showing up. Without a system, you only see where the money went when the bank statement arrives.
Lots of small expenses
Drugstore, school supplies, gifts, birthdays — each is small, the sum decides the month.
No real-time view
You only realise the grocery budget melted away at month-end. By then it's too late.
Different split rules
Some areas are split 50/50, others by income — too messy to maintain by hand.
No shared truth
Each parent has their own sense of the state. 'Feels like too much' turns into a fight.
How Equna creates overview for families
Three or more budget areas, a clear split rule, and a monthly close both parents confirm.
Budgets per area
Groceries, rent, leisure, kids — define budgets where they hurt and see immediately where you stand.
Global split
One rule for all shared expenses. Override per expense when needed.
Per-child expenses
School, hobbies, doctor — recorded per child and cleanly analysed.
Receipts attached
Paper receipt or online invoice as a photo on the expense. No more shoebox.
Monthly close
Both parents confirm the month. Equna calculates the balance and archives the state.
GDPR-compliant
Data on German servers. Currently no ads, no tracking, no third-party sales.
Before vs. with Equna
| Without a family budget app | With Equna | |
|---|---|---|
| Overview | Only at month-end on the bank statement | State visible anytime in the dashboard |
| Budgets | In your head — forgotten | Defined per area, with warnings |
| Split rule | Debated per expense | Set once, applied to everything |
| Receipts | In a shoebox or mail folder | Stored on the expense |
| Monthly cutoff | Rarely happens | Both confirm, archived |
Why families trust Equna
Made in Germany
Built and operated in Berlin. Servers with IONOS in Germany.
GDPR-compliant
Expenses and receipts stay with you. No sharing for ad purposes.
Both parents equal
No main user. Both accounts have the same rights and the same view.
Free to start
The free tier covers everything families need day-to-day.
Frequently asked questions
How many budget areas are included?+
The free version includes three budget areas — enough for most families (e.g. groceries, rent, leisure). The premium tier allows more areas and annual budgets.
Can we record expenses per child?+
Yes. You can add children as profiles and assign expenses to a specific child. This is useful for co-parents who live separately too.
Do we get a warning when a budget runs low?+
Yes. Equna notifies you when a budget is overspent early in the month. Both parents can decide whether to re-plan.
How does the monthly close work?+
At month-end, both parents confirm that everything is logged. Equna calculates the transfer and archives the month's state. Later edits are locked.
Is Equna free?+
Yes. The free tier is free and covers all family features. Premium is optional for longer receipt storage and advanced analytics.
A family budget that actually works
Three minutes of setup, then logging is the easy part.