[Feature Request] Support joint or shared accounts between multiple users

[cerede2000]

Feature description

It would be useful to add support for joint or shared financial accounts.

Currently, a financial account is managed by a single MyFin user. The proposed feature would allow an account to be marked as shared and accessed by multiple registered users.

Use case

For example, two people managing a household may have:

• Their own personal accounts
• One or more joint bank accounts
• Shared income and expenses

Each person should be able to use their own MyFin user account while accessing and managing the same shared financial account.

Proposed behavior

An account owner could:

1. Mark an account as shared.
2. Invite one or more existing MyFin users.
3. Manage which users have access to the account.
4. Remove a user's access when necessary.

Authorized users should be able to:

• View the account balance and transaction history.
• Add, edit, import, split, and delete transactions.
• Use the account in budgets, statistics, and reports.
• See changes made by the other authorized users.

Permissions

A basic implementation could initially give all authorized users the same management permissions.

Optionally, a future implementation could introduce roles such as:

• Owner: manages the account and its members.
• Editor: manages transactions and account data.
• Viewer: read-only access.

Expected result

Shared accounts should behave like regular accounts throughout MyFin, while remaining accessible to every authorized user from their own profile.

Personal accounts and other user-specific financial data should remain private and must not automatically be shared.

Additional considerations

It may also be useful to:

• Display a visual indicator for shared accounts.
• Show which user created or last modified a transaction.
• Prevent the last owner from leaving or being removed from the account.
• Ensure that removing access does not delete the shared account or its transaction history.

[afaneca]

Hi @cerede2000 ,
Thanks for the detailed feature request.
This has actually been requested before and I can see the use case and how useful it would be for many situations.

However, this isn't a straightforward integration and would require a paradigm change in the way we isolate our user accounts and the relationship between different entities. There are also certainly a significant number of edge cases that we'd need to account for before being confident about implementing this in Myfin.

Will try to look into this and hopefully will be able to prioritize it and bring it into the platform at some point.
Thanks