diff --git a/app/api/households/[id]/privacy/route.ts b/app/api/households/[id]/privacy/route.ts
new file mode 100644
index 0000000..133238e
--- /dev/null
+++ b/app/api/households/[id]/privacy/route.ts
@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/privacy`);
+}
diff --git a/app/settings/households/page.tsx b/app/settings/households/page.tsx
index 08a8cbe..1e56c2c 100644
--- a/app/settings/households/page.tsx
+++ b/app/settings/households/page.tsx
@@ -109,6 +109,11 @@ type HouseholdGoal = {
 type DashboardData = {
   household: Household;
   members: HouseholdMember[];
+  privacyMode: {
+    enabled: boolean;
+    hideIndividualBalances: boolean;
+    hideIndividualTransactions: boolean;
+  };
   summary: {
     memberCount: number;
     accountCount: number;
@@ -207,6 +212,7 @@ export default function HouseholdSettingsPage() {
   });
   const [fairSplitResult, setFairSplitResult] = useState<FairSplitResult | null>(null);
   const [fairSplitStatus, setFairSplitStatus] = useState("");
+  const [privacyStatus, setPrivacyStatus] = useState("");
   const [loading, setLoading] = useState(true);
   const [saving, setSaving] = useState(false);
   const [status, setStatus] = useState("");
@@ -428,6 +434,25 @@ export default function HouseholdSettingsPage() {
     await loadInvites(selectedId);
   };
 
+  const updatePrivacyMode = async (enabled: boolean) => {
+    if (!selectedId) return;
+    setPrivacyStatus("Updating privacy mode...");
+    const res = await apiFetch<{ privacyMode: DashboardData["privacyMode"] }>(`/api/households/${selectedId}/privacy`, {
+      method: "PATCH",
+      body: JSON.stringify({
+        enabled,
+        hideIndividualBalances: true,
+        hideIndividualTransactions: true,
+      }),
+    });
+    if (res.error) {
+      setPrivacyStatus(res.error.message ?? "Unable to update privacy mode.");
+      return;
+    }
+    setPrivacyStatus(enabled ? "Privacy mode enabled." : "Privacy mode disabled.");
+    await loadDashboard(selectedId);
+  };
+
   const maxCashflow = Math.max(
     1,
     ...(dashboard?.cashflow ?? []).map((month) => Math.max(month.income, month.expenses)),
@@ -564,6 +589,42 @@ export default function HouseholdSettingsPage() {
               </div>
             </div>
 
+            <div className="glass-panel rounded-2xl p-6 shadow-sm">
+              <div className="flex flex-col gap-4 lg:flex-row lg:items-center lg:justify-between">
+                <div>
+                  <p className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">Financial independence</p>
+                  <h2 className="mt-2 text-xl font-bold text-foreground">Privacy mode</h2>
+                  <p className="mt-2 max-w-3xl text-sm text-muted-foreground">
+                    When enabled, the shared dashboard only shows joint household accounts and joint transactions. Individual mine/theirs balances and activity stay out of the shared view.
+                  </p>
+                  {privacyStatus ? <p className="mt-2 text-sm text-muted-foreground">{privacyStatus}</p> : null}
+                </div>
+                <button
+                  type="button"
+                  onClick={() => updatePrivacyMode(!dashboard.privacyMode.enabled)}
+                  className={`rounded-lg px-4 py-2 text-sm font-bold transition-colors ${
+                    dashboard.privacyMode.enabled
+                      ? "border border-border bg-background text-foreground hover:bg-secondary"
+                      : "bg-primary text-primary-foreground hover:bg-primary/90"
+                  }`}
+                >
+                  {dashboard.privacyMode.enabled ? "Disable privacy mode" : "Enable privacy mode"}
+                </button>
+              </div>
+              {dashboard.privacyMode.enabled ? (
+                <div className="mt-4 grid gap-3 md:grid-cols-2">
+                  <div className="rounded-xl border border-border bg-background/40 p-4">
+                    <p className="text-sm font-semibold text-foreground">Individual balances hidden</p>
+                    <p className="mt-1 text-xs text-muted-foreground">Mine/theirs account balances are excluded from cards and ownership totals.</p>
+                  </div>
+                  <div className="rounded-xl border border-border bg-background/40 p-4">
+                    <p className="text-sm font-semibold text-foreground">Individual transactions hidden</p>
+                    <p className="mt-1 text-xs text-muted-foreground">Recent transactions and cashflow use joint account activity only.</p>
+                  </div>
+                </div>
+              ) : null}
+            </div>
+
             <div className="glass-panel rounded-2xl p-6 shadow-sm">
               <div className="grid gap-6 lg:grid-cols-[0.9fr_1.1fr]">
                 <div>