Money can be a sensitive topic in any relationship. If you’re getting married or have just tied the knot, it’s important to have open conversations about finances early on. Honest discussions about income, expenses, and goals help build trust and make it easier to plan a secure future together.

Once you start managing a household, you’ll find that day-to-day life involves many shared costs—rent, groceries, utilities, and subscriptions. A good approach is to maintain one joint account for common expenses and two separate accounts for personal spending. It keeps things transparent, fair, and free of unnecessary friction. Here’s how to make it work.

The Case for a Joint Account

A joint account removes the confusion about who pays for what. For instance, if both partners earn ₹1,00,000 a mo

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