Membership and sharing are different
Joining a household does not automatically make every transaction visible to members. Household analytics counts transactions explicitly shared with that household.
Do not assume all records are included
CSV imports, recurring entries and older household fields are not automatically treated as explicitly shared transactions. A household total can therefore differ from your personal Activity.
Current entry-screen limits
The standard new-transaction form does not currently show a household-sharing control. Do not expect newly entered personal transactions to appear in the household view just because you joined.
Household AI
Household AI depends on availability, explicit sharing and member AI consent. Review the privacy explanation inside Spndy AI rather than assuming membership gives permission to analyse every member's records.