No. Duolign works entirely from figures you type in or bank statements you upload. You never give Duolign access to your bank, and it can never move money.

Each payday, Duolign works out what each of you puts towards your bills, budgets and debts, using the split your household chose: half each, by income, or a custom split. It then shows exactly what to transfer and where.

You make the transfers yourselves and mark them done. Duolign never moves money.

You choose how shared costs are split: half each, in proportion to your incomes, or a custom split such as 60/40. Either of you can propose a change from Household, and it takes effect once the other agrees.

Each of you also has a personal allowance: money that's yours to spend, with no need to account for it.

Nobody is ever asked to transfer more than they earn, and each of your payday lists adds up to your own income exactly.

If one income doesn't stretch to its share in a month, the split rebalances: first the shares of your budgets, then the shares of the shared bills, and only then does money go straight into the other account. Allowances stay equal and whole whenever there's a surplus. Each step is explained in one line about that month, never as one of you covering the other.

If your combined income doesn't cover the month, Duolign says so plainly, with the amount, and takes it from your budgets so every bill is still paid. You can choose together which budgets it comes from.

A bill is a fixed payment that leaves on a schedule, like rent, energy, council tax or a phone contract. Each account you pay bills from has its own Bills, named after it, such as Joint current - Bills.

A budget is money set aside for spending that changes month to month, like groceries, petrol or eating out. You choose which budgets you have, and you can add your own. Until you set an amount, a budget uses what you spent in it last month.

When you bring in a statement, Duolign spots your bills for you and remembers where each shop's spending goes, so most of each month sorts itself.

With the overdraft or card they're charged on, not as a bill. Add the overdraft or card under Money, then Debts. Then, when you sort your transactions, choose Interest or charges on, followed by its name.

Interest changes every month, so linking a charge sets that debt to ask for the month's amount at each payday, starting from what it was last month. That way the money is there when the charge goes out. A charge never counts as paying the debt off.

A fixed fee that's the same every month, like a monthly account fee, is simpler as a bill.

Each of you sets your own payday: monthly (on a set date, or a day like the last Friday of the month), weekly or fortnightly. It works when you're paid on different schedules.

If your pay varies too much to predict, choose irregular, and you set each month's amounts yourselves.

Duolign is built for two people sharing household costs, so a household always has two of you.

If only one of you wants to do the day-to-day, choose "Just me" under Household › Who runs payday. You confirm both incomes and mark both sets of transfers yourself, and your partner keeps a login to see everything. That also works if you've invited your partner and they haven't joined yet.

Mostly, yes: your bills, budgets, debts, savings and joint accounts are shared between you; that's the point of a shared household.

You can keep one of your own accounts private from your partner (tap it on Accounts). Its transactions and balance stay yours, and any shared costs paid from it are still split fairly.

Privacy mode (Settings › Privacy & Security) also hides figures on screen, for example in public, without changing what's shared.

Any UK bank. Upload the PDF statement or CSV export your bank gives you, or type the figures in by hand instead.

Duolign reads each transaction off your statement, then checks what it found against the statement's own printed totals before anything is saved. A statement that doesn't add up is rejected rather than imported wrong.

Either way, check what's been imported before relying on it.

Some banks let a pot have its own card, such as a Monzo regular pot with a virtual card. What you spend with that card appears only on the pot's own statement. Your account's statement just shows money moving to and from the pot.

Upload the pot's statement under its account, choose One of its pots, then pick the pot. Its card spending then counts, and the money moved between the pot and the account is left out, so nothing is counted twice. Pots without their own statement work as before.

On Monzo: from Home, open the pot linked to the card. Tap the settings icon or the three dots at the top right of the pot, choose Pot documents (or Statements and documents), then Pot statement. Pick the dates and download it.

Its transactions go with it, along with everything recorded about them: where they were sorted, income confirmed from them, loan payments linked to them and bills matched to them. Your figures go back to how they would be if you had never uploaded it.

So you can upload it again, to the same account or a different one, without anything being counted twice. Anything you taught Duolign about a shop stays, so its transactions are recognised again.

The free plan includes the payday split, bills, budgets, savings, investments, debts, statement upload, three months of trends and a summary of your Health check.

Premium adds the Forecast and its questions, the full Health check, debt strategy comparison, a full year of trends and your whole payday history. It's £5.99 a month or £49.99 a year, and one subscription covers both of you.

Where your savings and debts are heading over the next five years, worked out from your own income, bills, budgets and payday split. It shows three views: expected, cautious (costs rise, pay doesn't) and stress (the bigger income stops for three months).

You can also ask it questions, such as what happens if one of you loses your income, how long until you could afford a house deposit, or when you'll be debt-free. Each answer shows how it was worked out and what it assumes.

It's a planning estimate from your own figures, not financial advice or a promise. Nothing you try in it changes your real money or your plan.

Yes. Go to Plan, then Savings, then Manage. Each budget you count as savings has a "Saved so far" box: enter what you've already put by. Payday adds to it each month, and you can correct it at any time, for example after spending some.

Your progress and your "on track for" date use this figure, and so does the Forecast when you ask about saving for one of your targets.

A look at where your household stands today in six areas: cash flow, how long your savings would last, debt, net worth, how much you're putting aside, and how ready you'd be to borrow.

Each area gets a status and the figure behind it. There's no overall score, and the borrowing area is an affordability estimate from your own figures, not a credit score: lenders also check your credit history, which Duolign never sees.

Where Duolign doesn't have enough to go on, such as your savings or what your home is worth, it says so rather than guessing. You can add what you own from the Health check or the Forecast.

Your data is encrypted in transit and at rest, stored in the EU, and never sold or used for advertising.

You can protect your sign-in with two-factor authentication and lock the app with Face ID, your fingerprint or a PIN. Every company that helps run Duolign is listed on the Security & Encryption page at duolign.co.uk.

Only if you allow them. Duolign lets you know when your partner asks for your OK on a change, when your pay has been confirmed, when a statement is due to upload, and when something needs filling in, such as a debt's details or your typical monthly spend.

Turn them off any time in Settings › Notifications & Activity.

Either of you can delete just your own account. Your login and private data are erased, and the household stays for the other person.

Or you can delete the whole household, for both of you. Either way it happens 30 days later, and you can cancel until then.

If you still have the app, the fastest way is in-app: Settings › Privacy & Security › Delete this household or Delete my account. Both permanently erase your data 30 days later (cancellable from the same screen until then), and either way you can export your data first. See our Privacy Policy for exactly what each one erases.

Don't have the app installed, or would rather not? Use the Delete My Data form instead. This isn't instant: we verify it's really you before erasing anything, same as any other request to delete a real household's financial data, but we'll follow up at the email you give us.

Open the Delete My Data form

Yes. Go to Settings › Data & Storage and tap Download my data. You get a zip file of your household's data and your own private data; your partner's private data isn't included.