Hey everyone,
I'm a solo founder doing customer research for a family finance app built for Indian households. Before I design anything, I want to understand how couples actually deal with shared finances in real life — not the idealised version.
My mentor made a point that stuck with me: the psychology of money in Indian couples is genuinely complex. Who sees what? What happens when one partner spends on something the other wouldn't? How does money sent to parents fit into a shared budget? No app has solved this well yet.
So rather than assume, I'm asking. 10 questions below — answer as many or as few as you like in the comments. Honest answers only, no judgement.
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- How does your household currently manage finances?
— We track everything and plan ahead
— We manage okay but could do better
— It's scattered, we deal with things as they come
— We don't track, it runs on instinct
- What financial responsibilities does your household currently juggle? (pick all that apply)
Home loan EMI / Car loan EMI / SIPs or investments / Insurance / School fees / Supporting parents or family / Credit card bills / None, finances are simple
At month end, do you know where your money went? (1 = not at all, 5 = completely)
Do you use anything to track expenses?
— A dedicated finance app (which one?)
— Bank app
— Spreadsheet or notebook
— Nothing yet
- Would your household benefit from a smarter way to track money and get financial insights?
— Yes, genuinely need this
— Yes but already use an app
— Not sure, depends how useful it is
— No, comfortable as we are
- How openly do you and your partner talk about money?
— Very openly, nothing is off limits
— Mostly openly, a few things handled separately
— We discuss big decisions, day-to-day is separate
— We keep finances largely separate
- Do you each have personal spending you manage independently — money that's just yours, no questions asked?
— Yes always / Sometimes / Not really / No, everything is shared
- How do you handle money sent to parents or family?
— Fully transparent, agreed amounts, part of shared budget
— We know roughly what each gives, not exact figures
— We each handle our own family separately
— Haven't fully sorted this out yet
— Not applicable
- What would make you comfortable trying a shared finance app with your partner?
— Each person controls what they share
— Try it solo before inviting partner
— Strong data security and privacy
— My partner being equally keen
— Nothing, already comfortable with full transparency
- How likely are you to try an AI-powered family finance app that respects both transparency and privacy? (1 = very unlikely, 5 = definitely would)
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No right answers here. I'm especially curious about Q7 and Q8 — those tend to be the ones nobody talks about openly.
If you have thoughts beyond the questions, drop them below. I'm reading every comment and will share what I learn back with this community.