Family

Good to know

• The Family page starts with Needs you (a request to decide, an allowance to pay or to confirm, a child near their limit), then one card per child, never added together: their balance, this week, allowance, a goal and their last purchase.
• You both get a notification when a child reaches 80% of their monthly limit and when they reach it. Countorra doesn't block their card.
• Countorra doesn't move money. On payday, Pay opens Venmo, PayPal or Cash App with the amount and note filled in (for a bank transfer or Zelle it shows the details to copy). When the payment shows up in your accounts, the payday is marked paid on its own; if Countorra isn't sure, it asks once. Paid in cash? Mark it paid.
• A request is something a child wants, with its price. Countorra reads it against their limit, their balance and their savings goal, and you approve it, decline it, or turn it into a plan: so much a week, kept as their goal.
• On a transaction's page, For marks something you bought for a child, so the Family page can show what each child cost this month.
• Household lists your bills and renewals from Recurring, with Who pays to give each one to you or your partner, a warning when the next 30 days look tight (naming the bills behind it), and the household's budgets: groceries, the home, utilities, childcare.
• Family goals are ones you save toward together, like a vacation or a first car. Each says what it needs a month, whether you're on track, how it compares with what your household keeps after spending, and who put in what. Add to it records money put in, yours or a child's.
• Warnings lists what's worth a look, most important first and never more than eight: a tight balance ahead, a charge that looks doubled, spending unusual for that person, a bill that went up.
• Their login, on a child's page: a child of 13 or over can get an email invite or a sign-in code; under 13, the workspace owner first gives parental consent, confirmed by the Family plan's card payment (so it opens after the first payment, not during a free trial), and then the child signs in with a code. A child sees only their own money, can ask for things and tick chores, and has savings targets, short lessons and a money tutor. They can't move money, connect a bank or see yours. Turn their login off at any time.
• Ask about your family opens Ask Countorra with a question already asked, such as "Can we afford a $2,000 vacation?" or "When can Maya afford the headphones?". It answers from your family's accounts and offers a plan; it can't move money or change anything.