Almost any item in a plan can be jointly owned including debts, property, and savings accounts.

Co-ownership is set by selecting two (or more) owners in the People chooser panel on the right side of the screen.

As you enter items into a plan, a check mark will be shown next to at least one person in the plan on the People panel, indicating the item's owner.

To give an item such a debt, property, account a co-owner, simply select the additional person in the People panel and save your update.

If you are editing an item that has already been saved into your plan, be sure to first select that item first in the Ledger, also on the right side of the screen, and then select the additional owners of that item in the People panel.

To show co-ownership of a savings account, for example:

1. Go to the Savings screen.

2. If you have already entered the account into the plan, select it in the ledger on the right side of the screen. If you are entering a new account, enter the details about the account in the fields to the left.

3. On the People chooser panel, on the right side of the screen, select the two owners of the savings account. A check mark will appear beside the owners of the account.

4. Click the Add or Update button to save your changes.

The account's co-owners will appear in parentheses next to the name of the savings account in the ledger.


Some items cannot be co-owned

An ISA may only have one owner.

Due to taxation, incomes too are normally owned by only one person, however, you may show a rental income as being co-owned by linking the income to a co-owned property, in which case ownership of the income will receive the ownership settings (and timing) from the property. Read more >>

This linked "other income" is then split between the owners when calculating each person's annual taxes. 

Some types of protection policies - income protection, critical illness, and long term care - cannot have dual ownership in Voyant. Term and whole life policies, mortgage protection, family income benefits and endowments can be co-owned if set as being joint policies.