Household Subscription Split Board

This concept illustrates a household board that groups a family's recurring spending by the person who uses each plan and the card or account that pays for it. Subscriptions, memberships, family plans, tutoring and household contracts such as home insurance sit in one table, so the people who run a home can see what the family carries each month.

In family and home life, recurring costs pile up across people and payment methods. Two people in the same home each sign up for the same family streaming plan, a gym membership goes unused for months, and several renewals land on the same card on the same day. No single statement shows it, because each person sees only their own card. The concept makes duplicates and clusters visible before the charges arrive, and every change stays a proposal until a household member approves it.

The Household page names a sample family of five with its count of recurring relationships. Tiles show recurring spend per month, renewals in the next 14 days, duplicate family plans with a needs-attention badge and the amount freed per month. The table groups relationships under each family member, with columns for relationship, kind, paid by, amount, renews on and status. The same music streaming family plan appears under two family members on two different cards, both marked duplicate, with Merge into one plan and Keep both options on the pending one. A gym membership carries an unused-days badge and a cancel-approved status, while tutoring, a coding app, cloud storage and a home insurance contract paid by bank debit show as active. A Renewal cluster chart plots charges by day of the month, with a tooltip on the heaviest day showing the total on one card and a Stagger dates action.

BrainyRich appears in a Send savings to a goal panel. The monthly amount freed by approved changes, here from one approved change, can be linked to a household goal picked from a list; the sample home down payment goal is shown as a linked BrainyRich goal with its funded share and a behind-schedule marker. The design intent is that BrainyRich then shows how that goal's projection changes once the savings are directed to it.

Within Subscriber Bot, the board sits under Relationships and applies the product's duplicate detection, renewal tracking and approval of cancellations to a whole household rather than a single person.