Unified transaction ledger
All linked cards appear in a single chronological feed. Filter by card, person, or date range. Pending and posted transactions are clearly distinguished.
Household finance
Track household credit card spending together
Cardsemble helps couples and families see every transaction in one place, assign who made each purchase, split charges, and understand shared spending — without spreadsheets.
Everything you need to manage shared cards
Cardsemble focuses on what households actually need: clarity on who spent what, clean transaction data, and tools to split or assign costs.
Household assignments & splits
Assign any transaction to a household member, or split it percentage-wise between up to four people. Assignments persist across syncs and feed into monthly summaries.
Monthly spending summaries
Automatic monthly breakdowns by card, by person, and by currency. Drill down from a summary card directly into the filtered transaction list.
Custom card names & household visibility
Rename cryptic Plaid names (e.g., "ULTIMATEREWARDS" → "Chase Sapphire") and toggle whether a transaction is visible to other household members.
Plaid-powered bank sync
Link credit cards through Plaid (Transactions product). Daily automatic sync pulls new transactions, marks removed ones, and reconciles with captured card events.
Android Google Wallet capture
On Android, the app reads Google Wallet NFC payment notifications and submits them as card events — no manual entry needed. iOS users can use a Shortcut to send events.
Secure, per-person data isolation
Each household member has their own profile. Transaction assignments and visibility are scoped to the authenticated user; data is not shared across households unless explicitly configured.
Statement-cycle awareness
Where Plaid provides statement data, Cardsemble shows cycle dates, statement balances, and amount owed — separate from raw transaction totals.
Built for offline-first sync
The mobile app caches 24-hour snapshots of your ledger, accounts, and people locally. Loads instantly on launch; background refresh keeps data current.
From first link to monthly review in four steps
No spreadsheets, no manual exports — just connect, assign, and review.
1
Link your cards with Plaid
Open the app, tap "Link a card," and authenticate with your bank through Plaid Link. Each selected credit account becomes its own Plaid Item; the app never receives the Plaid access token.
2
Transactions sync automatically
Daily background sync pulls new transactions via Plaid's /transactions/sync endpoint. Added, modified, and removed transactions are reflected automatically. Statement cycles are fetched where available.
3
Assign, split, or hide
Tap any transaction to assign it to a household member. For shared cards, split the amount by dragging sliders (exact-cent math, no rounding errors). Toggle household visibility per transaction.
4
Review monthly summaries
The Summary tab shows totals by currency, by card, and by person for any date range. Drill into any breakdown to see the filtered transaction list. Rename cards to keep labels readable.
Your financial data, your control
We collect only what's needed to provide the service. No analytics, no advertising, no third-party data sharing.
Plaid handles bank credentials
Your bank username and password are never seen by Cardsemble. Plaid Link runs in a secure sandbox; we only receive a short-lived public token, which we exchange for an access token stored encrypted in Supabase.
Per-user data isolation
Row-level security (RLS) in Supabase ensures you only ever read your own transactions, assignments, and household members. The Edge Function authenticates every request with your Supabase session or device-token hash.
Household visibility is opt-in
Transactions are private by default. You choose which ones are visible to other household members. Assignments from card-event capture are never applied automatically — you decide.
No analytics or tracking
The app does not include Firebase Analytics, Mixpanel, Amplitude, or any third-party telemetry. Crash reporting (if enabled) goes to Supabase logs only.
Delete your data anytime
Sign out and request account deletion from the app settings. This removes your Supabase user record, cascading deletes for transactions, assignments, Plaid items, and device tokens.
Third-party processors
We use Supabase (PostgreSQL, Auth, Edge Functions) for data storage and auth, and Plaid for bank connectivity. Neither has access to your data beyond what's required for their service.
Coming soon
Ready to simplify household finances?
Cardsemble is in private beta. Join the waitlist to get early access when we open invitations.
Join the waitlist