Your household’s home
for money clarity.
Connect your bank, see every transaction in one place, set a budget that fits how your home actually spends, and share it with the people you live with.
Overview
October
Left to spend
£1,286
£92 a day · 14 days left
Spent so far
£1,914
60% of £3,200 budget
Income this month
£4,350
2 of 2 salaries in
Recent transactions
1 needs a category- 🛒TescoJoint currentGroceries−£86.40
- ⚡Octopus EnergyJoint currentGas & Electricity−£142.00
- 🧸Little Steps NurseryJoint currentChildcare−£580.00
- ☕Pret A MangerIfe · MonzoNeeds a category−£4.85
Household money is scattered by design. A joint account here, a personal card there, a savings pot nobody checks. The spreadsheet is three months stale and “did you pay the nursery?” is a question asked out loud.
Lemon HQ puts the whole household in one place. Connect every account, let transactions sort themselves into categories made for a home, set a budget that fits how you really spend, and give your partner the same numbers you see. No accounting jargon, no ads, nothing sold on.
Every transaction in one list. Pulp and all.
Everything from every account lands in a single searchable feed, categorised and tied to the person who spent it, down to the £4.85 coffee. Filter by account, category, date or amount, or just ask “how much did we spend on groceries last month?” and get an answer with the receipts behind it. See the categories
- 🛒TescoGroceries · Joint current · 14 Oct−£86.40
- 🛒LidlGroceries · Joint current · 11 Oct−£52.18
- 🥬OcadoGroceries · Ife · Monzo · 9 Oct−£94.70
- 🛒TescoGroceries · Joint current · 6 Oct−£71.05
You’ve spent £612 on groceries so far in October, about 12% more than September.
- Groceries this month: £612 across 14 shops
- Last month: £548, so you're up about 12%
- Most of the rise is the two Ocado orders
- Suggest a £600 budget for November
Want me to set the November budget to £600 and tell Ife?
Connects to the banks you already use, through regulated open banking
- Monzo
- Barclays
- HSBC
- Lloyds
- Starling
- NatWest
- Revolut
- Santander
Track it, budget it, share it.
One app.
Most households juggle a banking app, a spreadsheet and a group chat to answer one question: where did the money go? Lemon HQ folds them into a single view.
- Every account, one feed, sorted as it arrives
- 🏠Rent · HaartHousing−£1,420
- 🛒Sainsbury'sGroceries−£64.20
- 🚌TfL TravelTransport−£31.50
Receipt from Boots matched to yesterday’s £18.40Track every penny, automatically. Connected accounts feed one list. Transactions are categorised on arrival, and receipts snapped on your phone attach themselves.
- Set it per category, carry the rest over
October · 14 days left
£92 a day · squeezed fresh
- Groceries£412 of £600+£40 rolled
- Eating out£186 of £200
- Kids£640 of £700
A budget that fits your life. Set a monthly amount per category, see what's left per day, and let what you didn't spend roll into next month.
- One household, everyone on the same numbersThe OdubelasIOTA
- IIfe categorised 6 transactions2m
- TTolu attached the nursery invoice1h
- IIfe set Eating out to £200Yesterday
Do it together. Invite your partner or housemates. Everyone sees the same accounts, categories and budget, with their own login.
Categories for a household,
not an accountant.
- Groceries
- Rent
- Mortgage
- Energy
- Council tax
- Phone
- Fuel
- Transport
- Car
- Kids
- School
- Eating out
- Coffee
- Streaming
- Gym
- Health
- Clothing
- Pets
- Holidays
- Gifts
- Charity
- Insurance
- Savings
- Salary
Groceries, Kids, Housing, Transport: fifteen groups and the categories a real home uses, with no “accounts payable” in sight. Rename them, add your own, or set a rule so the nursery always lands in Childcare. Anything the app isn’t sure about waits in “Needs a category” rather than guessing.
Why Lemon HQ
Money at home isn't a ledger. It's the nursery fees, the big shop, the holiday you keep nearly booking. Every pound is a small decision made together. Lemon HQ makes those decisions visible, shared and a little bit lighter.
Your money is personal. We treat it that way.
Bank logins, salaries, what you spend on a Friday night. Lemon HQ is built so that only your household can see any of it.
- Bank linkOpen bankingAccessRead-onlyPasswordNever seenConsent90 days
Read-only by design. Connections run through regulated open-banking providers. Lemon HQ never sees your bank password and cannot move money.
- Encryption256-bitIn transitTLS 1.3At restAES-256Sign inPasskey
Encrypted, every step. Data is encrypted in transit and at rest. Sign in with a passkey, Face ID or a one-time code; there's no password to leak.
- Your dataAdvertsNeverData brokersNeverCSV exportYesDelete allYes
No ads. Nothing sold on. You pay with a subscription, not your data. Export everything or delete the lot whenever you like.
- Members3IfeOwnerToluMemberMumInvited
Shared on your terms. Each person in the household has their own login. Invite, remove or hand over the household at any time.
Know where it went, month by month.
Spending by category, income against outgoings, and the cash balance across every account. Flip between this month, last month and the average to see what’s a blip and what’s a habit. See the budget
October so far · £3,014 of £3,200
- Housing£1,420
- Groceries£612
- Kids & childcare£640
- Bills & utilities£318
- Transport£240
- Eating out£186
When life gives you lemons.
The boiler goes, the car fails its MOT, the card balance creeps up. Lemon HQ turns the surprise into a plan: what it costs per month, where that money comes from, and the date it’s gone.
- Surprises get their own category, so the month's budget doesn't quietly absorb them
- See what the balance costs per month and which categories can give a little
- A clear-by date that updates as you pay it down, visible to everyone in the household
One budget. A slice for everyone.
A household holds everyone’s accounts, one set of categories and one budget. Invite the people you live with, set the rules once, and stop forwarding screenshots.
- Joint and personal accounts in one view
- See who spent what, without the awkward chat
- One budget, two logins, zero spreadsheets
Fewer surprises. More Fridays out.
“We'd been 'meaning to do a budget' for three years. Lemon HQ did the first one for us from our bank feed, and we just tweaked the numbers.”
Start free. Upgrade when the household does.
Every plan connects a real bank account and sorts your spending into household categories. Pay for more accounts, more history, or more people.
Free
For getting a grip on one account.
£0forever
Start free- 1 connected bank account
- Automatic categories
- Monthly budget per category
- 3 months of history
- Web and iPhone
Plus
Most popularFor one person and all their accounts.
£3.99per month
Billed yearly
Start 30-day trial- Unlimited bank accounts and cards
- Full history, searchable
- Rollover budgets and daily 'left to spend'
- Reports: category, income vs spend, cash
- Receipt capture and inbox
- Ask-anything search
Household
For couples, families and housemates.
£6.49per month
Billed yearly · up to 5 people
Start 30-day trial- Everything in Plus, for up to 5 people
- Shared accounts, categories and budget
- See who spent what
- Document vault for the house
- Run more than one household
- Priority support
Everything people ask before connecting a bank.
Something missing? Write to us and a human answers within a day.
Yes. The Free plan connects one bank account, categorises your transactions and gives you a monthly budget. You only pay if you move to Plus or Household, and nobody is upgraded automatically.