The honest answers.
Everything people ask before they download, answered plainly.
Does it work for couples and shared households?
Yes, that’s the point of difference. Budget as a household in one shared pot, or keep personal pockets alongside a shared one. You and your partner each see You / Together gauges, tag spending as personal or shared, and settle up in the app, so there are fewer "who paid what" conversations and no one keeping score. Inviting a partner is part of Pro.
Is my financial data private?
Prsperous is private by design. There’s no bank login and nothing to import. You add your own accounts, income and bills, and the app does the rest. Your numbers stay yours; we don’t sell data or connect to your accounts to see your transactions.
What does it cost?
The free plan is free forever, no card required: the safe-to-spend gauge, recurring bills and income, the monthly forecast, categories, and variable budgets. Prsperous Pro adds shared households, personal & shared budgets, savings plans, trips, and credit cards & loans for €4.99 a month or €39.99 a year (save 33%). First-time subscribers get a 7-day free trial; cancel during the trial and you won’t be charged.
How do I get the free trial?
New Pro subscribers get 7 days free, and the app offers the trial when you finish the welcome tour. After the trial, Pro is €4.99 a month or €39.99 a year. Cancel during the trial and you won’t be charged.
Which platforms is it on?
iOS, Android, and the web. It’s the same budget wherever you open it, so you can check your safe-to-spend on your phone and plan the month on a bigger screen.
How do I sign in?
With Apple (on iPhone), with Google, or with your email and a password. The same account works in the iOS and Android apps and the web app.
Is it available in Finnish?
Yes. Prsperous is fully bilingual, English and Suomi, and you can switch languages any time.
How do credit cards and loans work?
Safe to spend only sees the card bill, not each purchase, so your daily number stays honest. Purchases still count against your category budgets. Each card bill is paid in full or as a fixed amount, and card bills and loan payments show up in Monthly on their own, tagged CREDIT and LOAN. Loans show what’s left and a payoff estimate. Credit cards and loans are part of Pro.
Who can change the shared split?
The household owner. Only the owner can change the shared split, the budget mode and the budget period, so the plan doesn’t shift under anyone’s feet. If the household moves back to Free, invited members lose access until Pro is back; the owner keeps everything.
Is this financial advice?
No. Prsperous gives you tools and clarity, not financial advice. It shows you your own money clearly and helps you build habits. It never promises returns or tells you what to invest in.
How is it different from a spreadsheet or a single-player budget app?
A spreadsheet shows the past; Prsperous shows what’s safe to spend now and projects the whole month ahead. And unlike single-player budget apps, it’s built for two from the start, with shared visibility, pooled or personal-and-shared modes, and settle up. It works just as well for a household as for one person.
Do I have to connect my bank?
No. A short tour shows you around on a sample month, then you add your accounts, income and bills yourself. No bank connection, no statements to upload. That’s also why it stays so private.