Almost every net-worth app assumes one person with one set of accounts. Real households aren't like that: two people, four pension pots, a house owned in unequal shares, a joint savings account, and often a company or a family trust holding something. OwnWorth starts from the household and lets you slice it by person.
See it with example data £5.99/month · free trialThe moment two people share money, three things break in a single-user tool.
Ownership isn't binary. A house bought with unequal deposits isn't 50/50, and calling it either "yours" or "joint" loses the truth. Most apps offer a tick-box where you need a percentage.
Both totals matter. "What do we have?" and "what's mine?" are different questions, asked at different moments — a mortgage application versus a conversation about whose ISA allowance to use this year. A tool that only answers one of them sends you back to a spreadsheet for the other.
Not everything is held personally. A limited company, a family trust with a parent, a child's Junior ISA. These are real parts of a household's wealth with genuinely different ownership, and pretending otherwise makes the total wrong.
| People | You, a partner, and any number of named members — children, or anyone else whose assets belong in the picture. |
|---|---|
| Account ownership | Every account is owned by a person, held jointly, or belongs to a company or trust. ISAs and SIPPs are per person, as UK rules require. |
| Unequal property shares | A property can be split between members by percentage — 60/40, 70/30, three ways. Value, equity, mortgage, rent and payments all divide the same way. |
| Partial household ownership | Separately, a property can be only partly owned by your household at all — a share of a place owned with a parent or through a company. That percentage applies to everyone's view. |
| Companies and trusts | Modelled as their own owners. Assets inside them are attributed to the entity, and you set your household's share. |
| Filter | One control switches the entire app between the whole household and any single person. Net worth, allocation, income, outgoings and projections all follow. |
A couple own a home worth £850,000 with a £398,000 mortgage. They bought it with unequal deposits and agreed a 60/40 split. She has a workplace pension and an ISA; he has two old pensions and some shares from a former employer. They also have a joint savings account.
Household view: equity of £452,000 counts in full, alongside both sets of pensions, both ISAs and the joint cash.
His view: £271,200 of the equity (60%), his two pensions, his shares, and his agreed share of the joint account.
Her view: £180,800 of the equity (40%), her pension and ISA.
Both people's shares add back to exactly the household total. Nothing is double-counted and nothing goes missing — a property split is arithmetic on the same underlying asset, not two separate entries.
Yes. Property → edit → "Split between you". Enter each person's percentage; the shares must total 100%. The household total is unchanged — only the per-person views differ.
That's the separate "household ownership %" field. Set it to the share your household owns, and every figure is scaled accordingly for everyone.
Yes. A trust is modelled like a company: it owns assets, and you record your share. Useful for property held with parents or an inheritance structure.
No. One subscription covers the household picture, including your partner's pensions and investments. There is one price and no per-seat charge.
Add the child as a household member and the account under their name. It appears in the household total and in their own filtered view.
Try it with the example household Private company investments →
OwnWorth is a record-keeping and planning tool, not financial, legal or tax advice, and we are not regulated to give any. Ownership percentages you record here describe your own arrangement; they have no legal effect.