Money conversations
without the stress
Harmoney is AI-powered financial coaching built for couples. Connect your accounts, set goals together, and finally get on the same page about money — with a coach that understands you both.
Join the waitlistFree to use. No credit card required.
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...
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 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
Everything you need to be
in harmony
Built for real couples navigating real financial decisions — not spreadsheet enthusiasts.
Weekly money conversations
AI-generated prompts based on your actual spending help you and your partner talk about money — without awkwardness or blame.
See the full picture
Connect your bank accounts and see combined balances, shared spending, and individual finances — with privacy controls you both agree on.
AI coaching that gets you
Each partner completes a private personality assessment. Your AI coach adapts its advice to how you each think and feel about money.
Goals you reach together
Set shared financial goals — emergency fund, dream vacation, first home — and get an AI-generated plan with month-by-month steps to get there.
Fair expense splitting
Split costs 50/50, by income ratio, or any way you want. Track who owes what without the awkward conversations.
Your data stays yours
Bank-level encryption. Privacy controls per account. Mark transactions as private. We never sell your data — ever.
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 and on track.
- 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. Each partner reflects privately first, then you share and discuss together. No ambushes, no blame — just real talk.
- 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 tailored to both your incomes. 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, see who owes what, and settle up without the awkwardness.
- Flexible split ratios
- Income-based auto-splitting
- Running settlement balance
- Full expense history & categories
How it works
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
“We used to avoid talking about money entirely. Now we actually look forward to our weekly check-in. It’s like having a couples therapist who specializes in finance — without the $200/hour price tag.”
Sarah & Marcus
Beta testers, together 4 years
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.