> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spendghost.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Sub-accounts & allowances

Let a kid, partner, or teammate shop on your balance — within a limit you set.

A sub‑account lets someone else shop with SpendGhost on **your** funds, capped by an **allowance** you control. Great for a kid's monthly budget, a partner's shared spending, or a teammate's supplies — without handing over your whole balance.

## How it works

**Add a sub-account**

Tell the ghost who to add and how much they can spend.

> *"add my son with a $100 monthly allowance"*
> *"give my teammate (415) 555‑0142 a $250 one‑time budget"*

**They text the ghost on their own**

They get their own conversation and shop just like you do — find something, get a quote, confirm.

**The allowance keeps spending in bounds**

Every order checks against their remaining limit. They can't go over, and it always draws from your balance.

## Allowance types

**Recurring**

A budget that refreshes each period — like **$100 every 30 days**. Perfect for a steady allowance.

**One-time**

A single lifetime cap that doesn't reset — like a **$250 budget** for a project or a season.

## Staying in control

You manage every sub‑account from your [dashboard](/account/dashboard) or by asking the ghost:

- **Pause / resume** — *"pause my son's allowance"*
- **Change the amount or period** — *"bump my teammate to $400 a month"*
- **Remove** — *"remove my son's sub‑account"*

The sub‑account holder only ever sees their own conversation and limit — never your balance, orders, or anyone else's details.

Want to give a fixed amount once, with no ongoing limit to manage? Send [gift credit](/sharing/gifting) instead.