[avikalp]

It is good that you are already thinking about it. My wife and I have separate bank accounts but we operate as a single entity.

We are both completely aware of each other's incomes and expenses (we maintain a common expense manager).

When we got married, there was an immense difference in our incomes (I earned 10x more than her), so we decided that I would bear all the expenses and she could save her income for her future business plans.

Since I left my job to focus full-time on my startup last year, our incomes have been almost equal. Now, I pay the rent and the bills, and she handles all other expenses (groceries, appliances, travel plans, gifting and other purchases).

We transfer money to each other's accounts whenever there is a need (it's mostly from her to mine). Transparency is the key to happiness here.