Finally, finances
that work for
both of you.
One place where everyone sees exactly what they need to see — shared where it makes sense, private where it matters. Every account, every currency, one clear picture.
Sound familiar?
The arguments no one
wants to have.
"Where did the money go?"
You check the account balance, see the number, and still have no idea what's actually available to spend. Reactive finance — always one statement behind.
"Whose turn is it to pay?"
Shared expenses managed by a screenshot in WhatsApp and an informal mental ledger that neither of you actually agrees on. Every dinner ends with the same conversation.
"Are we okay to book this?"
You want to book the holiday but neither of you has the full picture. What's committed. What's coming in. What's actually free. The answer is always "let me check first."
These aren't money problems. They're visibility problems. Harmony fixes the visibility.
Features
Everything your
financial life needs.
Shared & Private Accounts
Connect all your accounts — joint and personal — in one place. You decide exactly what's shared and with whom. Your private spending stays private. Shared expenses stay visible to everyone who needs to see them.
Smart Budgets
Set budgets together or individually. See in real time how shared spending is tracking — without a spreadsheet, without a Sunday-evening conversation, without waiting until the statement arrives to find out you went over.
Filter any budget by tag to see exactly the slice of spending you care about — not a generic category someone else decided on, but the labels that make sense to you.
Tags, Not Categories
No forced generic categories. No guessing which bucket your transaction belongs in. Harmony uses tags — you create them, you name them, you attach as many as you like to any transaction.
Want to track "date nights" separately from "eating out"? Done. Want every transaction from a trip tagged both "Portugal" and "holiday"? Easy. Go as granular or as high-level as your brain works — not how a bank's algorithm thinks you should.
Shared Goals
Saving for a house, a car, a holiday, an emergency fund. Create goals together and track progress together. Harmony shows exactly how you're tracking and what it takes to get there — realistically, not optimistically.
Events
A holiday, a birthday party, a weekend away, a concert. Group any transactions under an event and see exactly what the whole thing cost — at a glance, not after digging through months of statements.
Each event type comes with its own template. A holiday breaks down into flights, accommodation, food, transport. A birthday into venue, gifts, food, drinks. Link a transaction fully or partially — if dinner was half personal, half event, split it. Your events, your rules.
Receipt Storage
Upload a receipt and link it to any transaction or event. Find it instantly when you need it — for an expense claim, a return, a warranty, or just to remember what you actually paid for.
Every receipt is encrypted end-to-end before it ever leaves your device. No one else can see them — not even us. Your financial paper trail, private and always within reach.
Multi-Currency
Add accounts from the UK, Europe, India, the US — anywhere. Even cash in your wallet. Every account consolidated into a single dashboard with your net worth calculated in real time in your chosen currency.
See full detailsUpcoming Expenses
Rent, subscriptions, school fees, that holiday you've half-planned — all mapped on a timeline so you know your real available balance, not just your current one. No more end-of-month surprises.
See full detailsGlobal Finance
Your financial life doesn't fit
in one country.
Neither does Harmony.
Every account. Every country. Every currency.
Whether you've moved abroad, send money home, earn in one currency and spend in another, or simply have accounts at multiple banks — Harmony brings it all together.
Add any account, in any currency, from any country. We handle the conversion. You get the clarity.
Even cash. Because not everything is in a bank, and your real net worth includes what's in your wallet too.
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5 Jun 2026, 18:50 UTC
5 Jun 2026, 18:50 UTC
Know what's coming.
Before it hits.
Most finance apps tell you what happened. Harmony tells you what's about to happen.
Bills, subscriptions, and any expense you know is coming — all mapped on a timeline, automatically deducted from your available balance before they hit. You'll always know the difference between your current balance and your real available balance.
You'll never book a holiday on money that was already spoken for.
Simple by design
Up and running
in minutes.
Connect your accounts
Bank accounts, cash wallets, savings pots, investment accounts. Yours, your partner's, shared. Any country, any currency. Add as many as your life spans.
Set your preferences
Choose what's shared, set your budgets, pick your home currency, and add any upcoming expenses you know about. Harmony learns the rest automatically.
Get clarity
One dashboard, everything in sync, nothing hidden that shouldn't be. Open the app and know exactly where you stand — individually, together, globally.
Built for couples,
by a couple.
We built Harmony because we couldn't find a single app that worked for us — two people with separate incomes, different banks, accounts scattered across multiple countries, and a shared life we were trying to plan together.
One of us had a spreadsheet. The other didn't look at it. Shared expenses lived in a WhatsApp thread. Every "are we okay to book this?" conversation ended with "let me check" — and then nobody checked.
The arguments were never really about money. They were about not having the same picture. Harmony is that picture.
Harmony works beautifully for individuals too — but we built it first for the version of ourselves that needed it most. If you manage money with someone else, or across more than one country, this is the app we wish had existed.
Whether you're managing money solo, as a couple, or across a whole household — Harmony gives everyone the clarity they deserve.
Trust & Security
Built with your security
as the foundation.
A finance app that isn't secure isn't worth using. Security and privacy aren't a feature — they're the ground Harmony is built on.
Passkeys
Sign in without passwords. Phishing-resistant authentication built in from day one.
AES-256 Encryption
Sensitive financial data encrypted before it ever reaches our servers. Your data is yours.
GDPR Compliant
Your data rights protected. Export or delete everything you've ever stored, any time.
SOC 2 (Planned)
Working towards SOC 2 Type II certification. Security isn't an afterthought — it's on the roadmap from day one.
Zero Third-Party Tracking
No advertising scripts. No analytics companies profiling your financial behaviour. No Google Fonts that phone home. What you do in Harmony stays in Harmony.
Pricing
Simple pricing
for real life.
No hidden fees. No per-user surprises. One honest price for the life you're actually living.
Individual
All your accounts, in every currency, with full upcoming expense tracking and smart budgets. For one person who wants complete financial clarity.
Couple
Everything in Individual, shared. Both your accounts, with shared and private views, shared budgets, joint expense tracking, and shared goals.
Family & Group
For households, families, and anyone managing finances across more than two people. Flexible shared and private views, group budgets, and shared goals for everyone.
Be the first to
get Harmony.
Sign up now. We'll be in touch the moment Harmony is ready to launch — first 500 people get priority access.
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