As the household Owner, you have full control over who can access your financial data. This guide covers how to manage your household members.
Owner Only
Only the household Owner can manage members. If you have Full Access or Read Only permissions, you can view the member list but cannot make changes.
Viewing Current Members
- Click the settings (gear) icon in the top right corner.
- In the Settings sidebar, click Household Members.
- On the Home tab, tap the gear icon in the top left to open Settings.
- Tap Household Members.
You'll see a list of all current members showing:
- Member name and email
- A role badge (Owner, Full Access, or Read Only)
- When they were last active (for example "Today", "3 days ago", or "Never")
Changing a Member's Role
To upgrade or downgrade a member's access:
- Find the member in the list
- Click the pencil (edit) icon next to their name
- Select the new role:
- Full Access - Can view and edit everything
- Read Only - Can view but not make changes
- Click Save, the new permissions apply immediately (Cancel discards the change)
Role Changes Are Instant
When you change someone's role, they'll see the new permissions immediately. If downgraded to Read Only, any edit buttons they could see will disappear.
Removing a Member
To remove someone from your household:
- Find the member in the list
- Click the trash icon next to their name
- In the Remove Member confirmation, click Remove
Once removed:
- They immediately lose access to your household
- They cannot see any of your data
- They can no longer switch to your household
Financio doesn't email them about the removal, access simply ends.
Removal Is Immediate
There's no grace period. Once you remove someone, they lose access instantly. You can invite them again later if needed.
What Members Can See
All members, regardless of role, can see:
- All accounts and their balances
- Every transaction across all accounts
- Your complete category structure
- All tags you've created
- All automation rules
- All financial goals
- All reports and insights
There's no way to hide specific accounts or transactions from members. Sharing is all-or-nothing.
Member Activity
The member list shows when each person last accessed the household. This helps you:
- See who's actively using Financio
- Identify members who may no longer need access
- Understand usage patterns
Best Practices
Regular Access Reviews
Periodically review your member list to ensure:
- Everyone who has access still needs it
- Roles are appropriate for each member's needs
- Former partners, moved-out family members, or ex-advisors are removed
Start with Read Only
If you're unsure what level of access someone needs, start with Read Only. You can always upgrade to Full Access later if they need to make changes.
Communicate Changes
Before changing someone's role or removing them, consider letting them know. This avoids confusion and maintains trust.
Pending Invitations
Below the member list, you'll see any pending invitations. From here you can:
- See who has been invited but hasn't responded
- Check when each invitation expires
- Revoke invitations if you change your mind
This section is visible to the Owner only, and only while at least one invitation is awaiting a response.
See Inviting Members for details on sending and managing invitations.
Troubleshooting
I can't change roles or remove members
Only the Owner can manage members. If you have Full Access, you can view the list but not make changes.
A member can still see data after removal
They may have cached data in their browser. Once they refresh or try to access any data, they'll be blocked.
I accidentally removed someone
Send them a new invitation. They'll need to accept it to regain access.
I want to transfer ownership
Ownership cannot be transferred. If you need someone else to be the Owner, you'll need to export your data and have them create a new account with that data.