Stop fighting about money.
Start building together.
keep your money in harmoney
The only finance app that helps you talk about money, not just track it. AI-powered coaching, weekly check-ins, and shared goals — built for two.
Free to use. No credit card required.
AI Insights
Personalized daily
Weekly Check-ins
Talk about money easily
Shared Goals
Dream together
Good morning
Sarah & Marcus
You spent 23% less on dining out this week. That’s $47 closer to your vacation goal!
Combined
$8,240
+$320 this week
This month
$2,180
of $3,500 budget
Hawaii Vacation
62%
$3,100 saved
$5,000 goal
Recent
Whole Foods
Groceries
-$67.40
Netflix
Subscriptions
-$15.99
Transfer to savings
Savings
+$200
Built with industry-leading technology
Plaid
Bank connections
Claude AI
Coaching engine
256-bit SSL
Encryption
Supabase
Secure database
SOC 2
Compliance ready
Everything you need to be
in harmony
Built for real couples navigating real financial decisions — not spreadsheet enthusiasts.
Weekly money conversations
AI prompts based on your spending help you talk about money — no awkwardness.
See the full picture
Connect bank accounts. See combined balances and spending — with privacy controls.
AI coaching that gets you
Private personality assessment. Your coach adapts to how you each feel about money.
Goals you reach together
Emergency fund, dream vacation, first home — with AI plans to get there.
Fair expense splitting
50/50, by income, or custom. Track who owes what — no awkward conversations.
Your data stays yours
Bank-level encryption. Privacy controls per account. We never sell your data.
A look inside the app
Designed to feel calm, clear, and supportive — not another anxiety-inducing finance app.
Good morning
Sarah & Marcus
You spent 23% less on dining out this week. That’s $47 closer to your vacation goal!
Combined
$8,240
+$320 this week
This month
$2,180
of $3,500 budget
Hawaii Vacation
62%
$3,100 saved
$5,000 goal
Recent
Whole Foods
Groceries
-$67.40
Netflix
Subscriptions
-$15.99
Transfer to savings
Savings
+$200
Your finances, at a glance
See combined balances, monthly spending, and goal progress the moment you open the app. Plus, a personalized AI insight every day to keep you motivated.
- Combined & individual balances
- Daily AI-powered insights
- Goal progress tracking
- Recent transactions feed
Weekly Check-in
March 21, 2026
“You’ve been eating out less this month. What’s one thing you’d love to splurge on together — guilt-free?”
I’d love a nice date night! We’ve been so good about cooking at home. Maybe that Italian place we keep walking past? 🍝
Sarah, 2:14 PM
Yes! I was thinking the same thing. And honestly we’ve earned it — we’re $200 ahead on the vacation fund this month 🎉
Marcus, 2:18 PM
Love this! You’ve saved $47 from dining out less. Set aside $60 for a guilt-free date — you’ve earned it.
Share your thoughts...
Talk about money — the easy way
Every week, your AI coach generates a conversation starter based on your actual spending. Reflect privately, then share together. No ambushes, no blame.
- AI-generated prompts from real data
- Private reflection before sharing
- Guided follow-up from your coach
- Conversation history & growth tracking
Your Goals
3 active goals
Hawaii Vacation
$3,100 of $5,000
62% complete
2 months ahead
Emergency Fund
$8,200 of $15,000
55% complete
On schedule
Pay Off Credit Card
$2,800 of $4,200
67% complete
2 months ahead
Milestone reached!
You hit 50% on your Emergency Fund
Dream together. Plan together.
Set shared goals — from emergency funds to dream vacations — and get an AI-generated month-by-month plan. Celebrate milestones together along the way.
- AI-generated financial plans
- Month-by-month milestones
- Both partners approve the plan
- Automatic progress celebrations
Split Expenses
Fair and transparent
Settlement
Marcus owes $42.50
Your split ratio
Sarah 55%
Marcus 45%
Based on income ratio
Recent splits
Groceries — Trader Joe's
Today
$94.20
Sarah: $51.81
Marcus: $42.39
Electric bill
Mar 18
$128.00
Sarah: $70.40
Marcus: $57.60
Date night dinner
Mar 15
$67.00
Sarah: $33.50
Marcus: $33.50
Split expenses your way
50/50? By income ratio? Custom? You decide what’s fair. Track every shared expense and settle up without the awkwardness.
- Flexible split ratios
- Income-based auto-splitting
- Running settlement balance
- Full expense history & categories
Other apps show you numbers.
We start the conversation.
Shared dashboard you both ignore
AI-generated weekly prompts you actually discuss
One-size-fits-all budgeting tips
Coaching adapted to each partner's money personality
Bank sync breaks, data gets wiped
Non-destructive reconnection — your data is always safe
Submit a ticket, wait 3 weeks
Real humans who reply to every email
For couples who...
Up and running in minutes
From first signup to your first shared win — in under 10 minutes.
Take your personality assessment
Each partner privately answers questions about how they think and feel about money. No judgment — just understanding.
Connect your accounts
Securely link your bank accounts through Plaid. Choose what to share, what to keep private, and what's "ours."
Get your AI financial plan
Your AI coach creates a personalized plan based on your goals, your incomes, and your personalities. Both partners approve before it's set.
Grow together, every week
Weekly conversation prompts, spending insights, and goal progress keep you aligned — and celebrating your wins along the way.
Money is the #1 source of
relationship stress
Studies show that finances cause more arguments than any other topic in relationships. Harmoney gives you the tools and coaching to change that.
70%
of couples argue about money more than chores, togetherness, or intimacy
$5,300
average amount couples save in their first year of setting shared financial goals
10 min
per week is all it takes to get aligned on money — and Harmoney makes it easy
Questions?
Is my financial data safe?
When does Harmoney launch?
Is it really free?
Does my partner need to sign up too?
What about Android?
Ready to get on the same page?
Join hundreds of couples who are tired of money stress. Get early access to Harmoney and start your journey toward financial harmony — together.
Join the waitlist — it’s freeEarly members get 50% off premium for life
Ready to get in harmony?
Join the waitlist and be the first to know when Harmoney launches. Early access members get 50% off premium for life.
No spam, ever. We’ll only email you about launch updates.