What it actually does
Most money apps assume one adult. Linup assumes a household — and that the people in it are not all in the same place.
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One app, not four accounts
Money, budgets, habits, shared goals and household campaigns live in one place. What each person sees is a household setting, not a separate product tier.
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Different depths per person
The same underlying figures, surfaced differently. A parent gets the full budget; a younger member gets their own pots and habits without the mortgage arithmetic they have no use for.
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Habits sit beside the money
Because in a real household they already do. A missed streak and a tight month are treated the same way — as facts, never as a verdict on the person.
What makes it different
The deliberate one
Linup never connects to a bank. No open banking, no feeds, no transaction import — not now, and not later as a premium tier.
That is a decision, not a gap we intend to close. Typing an amount in takes a few seconds and it is the few seconds in which you actually notice what you spent. An imported feed shows you a tidy list of things that already happened; a deliberate entry is the moment you can still do something about.
It also means the awkward question never arises. There is no bank connection to share with a teenager, no read access to a parent’s current account sitting behind a family feature, and no credentials for anyone to hand over.
Pricing
£1.50 per person who signs in, per month
Counted by people who actually have a login. A managed profile for a younger child — no login, no password, nothing to sign into — is never charged for, because they are not a user of an account they cannot use.