CoCarlo is a private space for the money, memories, bills, and plans you manage together. Your personal Carlo remains entirely separate.
What it is
Most of us have two kinds of money. There's what's yours alone, and there's what you share — the groceries, the rent, the trip you're saving for, the household you run together. Carlo has always been built for the first kind. CoCarlo is built for the second.
A CoCarlo is a separate shared space that a couple, a family, or a household can keep together. Each member can add transactions, photos, journal entries, bills, and budgets to it. Everyone sees the same shared picture. It's not a merged account — it's a shared diary of the life you're building alongside your own.
Carlo is a record you intentionally make — alone or with the people you share life with.
What stays personal
Your personal Carlo is yours. It doesn't merge, sync, or bleed into the shared space, and no one in a CoCarlo can see it. Joining a CoCarlo never grants anyone a window into your own account.
Your personal Carlo
- Your private transactions and notes
- Your own budgets and categories
- Your photos and reflections
- Visible only to you
The shared CoCarlo
- Household spending and bills
- Shared budgets and plans
- Photos and journal entries you add together
- Visible only to invited members
You share the space, not your password, your bank account, or your personal Carlo.
What you can share
A CoCarlo holds everything a personal Carlo does — just for the parts of life you hold in common:
- Spending. Log shared purchases by voice or by hand, the same way you log your own.
- Photos and memories. The receipt, the meal, the trip — a shared transaction becomes a shared moment.
- Bills. Track the recurring costs the household carries together.
- Budgets. Set shared limits and see what's safe to spend, together.
It's a shared financial diary, not merely a ledger. The point isn't just to split costs — it's to see the shared life those costs add up to.
How invitations and membership work
One person starts a CoCarlo and invites the others. Each member joins from their own device, with their own Carlo account. No one hands over a password, and no one signs into anyone else's account. Once someone accepts, they can read and add to the shared space — and nothing else.
CoCarlo is designed for small, trusted groups — a couple, a family, a household — with up to eight members. It's built for the people you actually share a life with, not open-ended sharing.
What happens if someone leaves
Because each member participates independently, one person leaving never locks anyone else out. The shared history belongs to the shared space, not to whoever created it. If a member leaves, the CoCarlo — and everyone else's access to it — continues undisturbed.
Privacy and encryption
CoCarlo keeps every promise the rest of Carlo makes. The shared space is encrypted the same way your personal data is: locked on-device before it reaches Carlo's servers, which hold sealed boxes no one there can open. Each member gets their own independently encrypted key to the shared space — which is exactly why one person can join, or leave, without touching anyone else's access.
Only you can read your personal Carlo. In a CoCarlo, only the people you invite can read the shared space. No one else — not advertisers, not Carlo — can read either.
See how CoCarlo sharing stays private →
Private by design. Shared by choice.