Owners: you, your partner and shared accounts

What an owner is

An owner is a label on an account and on each of its transactions. There are three:

You

Accounts and spending that are yours. Shown with your photo or initials in teal.

Your partner

Accounts and spending that are theirs. Shown with their photo or initials in violet.

Both

Joint accounts and shared spending, like a joint checking account or a shared credit card. Shown as your two pictures side by side.

Owners only appear once you add a partner. On your own, everything is yours and FIYR does not show owner controls at all.

Owners are labels inside your one FIYR account. Your partner does not get a separate login, and adding them does not share anything outside your account.

Add your partner

1. Open Settings > Profile.
2. Under Household, click With a partner. The Partner Information card appears.
3. Enter your partner's name. Their date of birth and retirement age are optional and are used for FIRE planning.
4. Click Update Profile.

You can add a photo for each of you on the same page. See "Photos and initials" below.

Set who owns each account

The owner of an account decides the owner of its transactions, so this is the main thing to set up.

1. Open Settings > Linked Accounts.
2. On each account, click the pill for its owner: your name, your partner's name, or Both.
3. FIYR updates the account and re-tags its existing transactions. New transactions from that account arrive with the same owner.

Transactions where you changed the owner by hand keep the owner you chose. A new bank account starts out as yours until you change it.

Change the owner of one transaction

Sometimes one purchase on a shared card belongs to one person. You can change the owner of any single transaction without changing the account.

• On a computer, on the Transactions page, click the owner column header to widen it, then pick an owner on that row.
• On a phone, tap the transaction and tap Owner in the edit sheet.
• To change many at once, use Edit Multiple and Select New Owner. See Edit many transactions at once.
• To do it automatically, a transaction rule can match on Account Holder or set a New Account Holder.

Where owners show up

A transaction with no owner set counts as Both.

Photos and initials

Each person is shown the same way on every screen: their photo if there is one, otherwise their initials on a coloured circle. You are always teal and your partner is always violet, so you can tell the two of you apart at a glance even without photos.

• Add a photo. In Settings > Profile, click Add photo on your card or your partner's card and choose a picture. On an iPhone you can pick from your library or take a new photo.
• Your Google photo. If you signed in with Google, your Google profile photo is used for you until you add your own. Click Use initials if you would rather not show it.
• Remove a photo. Click Remove. FIYR goes back to initials (or to your Google photo, for you).
• Initials come from the name in your profile, for example "Alex Rivera" shows AR. Change the name and the initials follow.

Photos save as soon as you choose them. You do not need to click Update Profile.

Privacy

FIYR crops each photo to a small square on your device before saving it, so the full-size original never leaves your phone or computer. The photo is stored in your FIYR account, and only you, signed in to that account, can see it. It is never shown on anything public and never shared with other FIYR users.