# 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?`

## Scenario

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?

## Try Ray free

Open source, local-first, and takes five minutes to set up.

```bash
$ npm install -g ray-finance
```

[View on GitHub](https://github.com/cdinnison/ray-finance)