PactLedger

PactLedger helps couples replace vague expectations with explicit money agreements. Instead of tracking every penny, it focuses on behavior: who decides what, spending thresholds, shared vs. personal “no-questions-asked” budgets, and how to handle surprises. Couples set a simple financial pact (rules + goals), connect accounts for lightweight visibility, and get prompted only when something violates the pact (e.g., a large discretionary purchase, missed bill, or goal drift). A short weekly check-in turns into a guided agenda: what changed, what needs a decision, and what to celebrate. An optional AI coach summarizes patterns and suggests neutral wording for tough conversations, but the app doesn’t pretend to be therapy. It’s a practical tool that reduces ambiguity, which is what usually triggers conflict.