Monarch already won couples.
The shared finances, the reviews, the goals — it’s why you beat Mint. But the product still treats two people as one merged account with two logins. The hardest thing in a relationship, and it’s the part you haven’t designed.
I’m Carl. I run Sunday, product design for fintech, ex-Swedbank. I kept circling the couples layer you’re missing, so I built it into your app. It’s live, just below.
The concept, running
It’s live. Switch the lens, open the review.
How I’d build the couples layer.
Money is the #1 thing couples fight about, and you market straight at it — but the app under the marketing is one account with two logins. The fix isn’t a new app. It’s four additions threaded into surfaces you already have: the dashboard, your monthly review, goals, and accounts.
Four decisions, and why:
$392,000
A household lens, not a second login
Monarch already runs the household — it just shows it as one merged account. So I added a Together / Alex / Sam toggle on the dashboard: one tap re-scopes the real net-worth card and transactions to whose money it is. The household becomes a relationship, not a merge.
2 things, decided together
Your monthly review, made for two
You already walk people through a monthly review. I turned it into a money date: here’s what changed, and the two things that actually need a decision together. Same feature — built for the conversation couples avoid.
Both retirements on one board
Today a couple can set exactly one shared retirement goal — your most-cited limit. So Goals now holds separate + shared side by side: Alex’s retirement, Sam’s, and the house you’re chasing together. Two futures, one board.
Privacy as a feature, not all-or-nothing
Right now sharing is all-or-nothing. In Accounts I made it a real boundary: what’s ours, you both see; what’s private stays private — but still counts toward where you’re headed together. Sharing money shouldn’t mean surrendering it.
Anyone can merge two accounts. The work is making two people feel like a team.
A bit about me.
I’m Carl. I run Sunday, a product-design studio for fintech. Before this, Swedbank, one of the Nordics’ largest banks. I work embedded, like part of the team, from first research to the final interface. No handoffs.
I built this from the outside, on your app and your positioning alone — no brief, no access. You’ve clearly got design in your DNA, so take it as a conversation-starter, not a critique. With your real household data behind it, it gets a lot sharper.
“He champions user-centered design without ever losing sight of how it drives real business outcomes. That balance is rare.”
Joackim Zwahlen — UX Lead, Swedbank
That’s the idea.
I made this because the problem stuck with me. If it’s useful, grab 30 minutes below and I’ll walk you through where I’d take it next. If you want it real, a two-week sprint makes the couples layer production-ready in your app. If not, no hard feelings. I’ll be watching what you build either way.