GeM Finance is a financial organization tool designed for couples, while also supporting individual use. It brings income, expenses, accounts, budgets, goals, and plans together in one place, with both a shared household overview and separate views for each person. Each partner has their own login and remains identifiable in their transactions, so sharing a financial picture does not mean combining every detail.

Users can import bank statements and spreadsheets in XLSX, XLS, CSV, OFX, or compatible PDF formats. GeM interprets dates and amounts, suggests categories, flags possible repeats, and lets users review everything before saving. The service also supports recurring bills, transfers between a user’s own accounts, budgets, projections, weekly summaries, and reports. Its guided setup helps couples get started, including those moving from an existing spreadsheet.

GeM does not connect to bank passwords or move money; it organizes information users enter or import themselves. The product is currently in a free beta, with access by invitation, and works in a web browser without requiring an app-store installation.