Your Money, In One Quiet Place
Heartwood Money is a private personal finance app. All your accounts, budget and investments in one place.
Sign In
Heartwood Money is invite-only right now.
Net Worth
Sample Data$250,000
- Checking$10,000
- Savings$40,000
- Investments$210,000
- Credit Card-$10,000
- Budget Left This Month$500
What It Does
Overview
Your net worth over time, in a chart you can read at a glance.
Accounts
Every bank and card, synced through Plaid.
Transactions
Rules and categories you can edit, and a CSV export when you want your data out.
Investments
Your holdings, next to everything else.
Budget
Set a plan for the month and see how you are doing against it.
Goals
Name what you are saving for and watch it fill.
Recurring
The bills and subscriptions that come around every month.
Forecasting
Look ahead, and try a What If panel before you make a change.
Privacy And Security
- Invite-only. No one can join without an invite link.
- Sign-in goes through Google, and Cloudflare Access checks every request before it reaches the app.
- Every member has their own separate database. Isolation between members is tested adversarially.
- Connections go through each member's own Plaid API key. Heartwood never sees your bank passwords. Plaid Link handles those.
- Backups are encrypted, and the server that makes them cannot decrypt them.
- No ads, no analytics, no trackers. This page makes no third-party requests.
Heartwood Money is a small, independently run app.
How Invites Work
- A member creates an invite link.
- You open it and sign in with a Google account.
- A setup guide walks you through creating your own Plaid keys and connecting your banks.
No invite yet? Ask the person you know who uses Heartwood.