Ray for Couples
Financial clarity for two people, one life
Joint accounts, separate accounts, shared goals, different spending habits. Ray sees all of it together and helps you make decisions as a team.
The challenge
No combined picture
You have three checking accounts, two savings accounts, and a brokerage. No app shows your actual combined net worth without one of you manually entering everything.
Spending alignment fights
One of you thinks dining out is fine. The other thinks it's out of control. Without shared data, it's opinions versus opinions.
Shared goals are hard to track
The house down payment needs $60k. You're both saving, but into different accounts. Nobody knows the real number without adding it up manually.
Income disparity makes splitting awkward
50/50 doesn't feel fair when one person earns twice as much. Proportional splitting sounds good but requires constant recalculation.
How Ray helps
Combined net worth from all accounts
Link both partners' accounts. Ray shows your true combined net worth, broken down by who owns what and what's shared.
❯ what's our combined net worth right now?Spending comparisons without judgment
Ray shows you exactly what each person spent and where. Replace arguments with data.
❯ how much did each of us spend on dining this month?Shared goal tracking across accounts
Set a savings goal and Ray aggregates progress across multiple accounts automatically. No spreadsheet needed.
❯ how close are we to the house down payment goal?Fair split calculations
Ray calculates proportional splits based on actual income. Ask it to rebalance shared expenses any time salaries change.
❯ based on our incomes, what's a fair split for shared expenses?You and your partner just got engaged. You want to merge finances, but you have $22k in student loans and they have $45k in savings. You need to figure out a plan together.
❯ we're getting married — should we merge accounts or keep them separate?
Right now, your combined net worth is $23,000 ($45,000 savings minus $22,000 debt). Here are the numbers either way: merged, you'd pay off the loans in 7 months at your combined savings rate and start fresh. Separate, the loans take 14 months from your income alone. A common middle ground: joint account for shared expenses (rent, groceries, utilities — about $4,200/mo for you two), separate accounts for personal spending, and attack the debt together from the joint surplus. Want me to model the monthly contributions for that setup?