What happens when a partner joins, or when we stop planning together?
Joining asks how to set up your side — keep, start empty, replace with your own plan, or add it. Stopping planning together gives each of you your side as a plan of your own.
When your partner accepts an invitation to plan together, they get their own sign-in and their own side of your one plan. Each of you sees the other's side and the Family plan. If you later stop planning together, the plan splits back into two, and each of you leaves with your own side.
Joining: the four choices
The person joining opens the link in their invitation email — or presses Review and join on the invitation inside the app — and signs in. If there is something to decide, they are asked "How would you like to set up your side?", with what was already typed for them shown beside their own plan, if they have one:
| Choice | What it does |
|---|---|
| Keep what is there | Uses what the inviter typed for them. Nothing moves. |
| Start my side empty | Removes what was typed for them, to fill in themselves. Shared costs stay. |
| Replace it with my plan | Their own plan becomes their side. Their plan is kept aside, not deleted. |
| Add my plan to it | Keeps what was typed and adds their own plan beside it — only if it is different money. |
With no plan of their own they choose between the first two, or simply join. If the plan has no age for them yet, they are asked Your age today. Adding a plan can ask whether any of their money is already counted in the inviter's figures, so it moves across rather than being counted twice. Then Join the plan.
Each person decides what the other may do on their own side — View only or View and edit — under "What can … do on your side?" in Family & sharing. To begin with, the person who invited lets the other view their side, and the person joining lets the inviter edit theirs; either can change it. Shared rows, like rent you both pay, can always be edited by either of you, and the other is told.
Whose plan
| Reading | Your plan | Your partner’s plan | Family plan |
|---|---|---|---|
| Working | Until 55 | Not earning | Both, together |
| Earns | ₹84.72L | — | ₹84.72L |
| Holds | ₹71.44L | ₹42.9L | ₹1.14Cr |
| Spending share | 50% | 50% | 100% |
| Owes | ₹17.5L | ₹17.5L | ₹35L |
| Outcome | Their own | Their own | Workable · lasts to 90 |
After joining, the plan menu offers both people's plans and the Family plan. Each view adds up, and the two personal views sum to the Family plan.
Illustrative figures — not anybody’s real plan.
Stopping planning together
- Either of you opens Family & sharing and presses Stop planning together….
- Read what happens. If you set a plan aside when you joined, choose under What would you like to keep? — your side as it is today, or the plan you had before joining.
- Type SEPARATE in the box and press Stop planning together. Or press Keep planning together to back out.
- Each of you keeps your own side as a plan of your own.
- Shared costs and anything you own together — listed investments included — are split by your shares.
- Everyone the plan was shared with loses access and is told.
- The other person keeps a read-only copy of your side as of that day, under Kept copies, which they can delete.
See this in your own plan.
Open Family & sharingLast reviewed 1 October 2026.