Accounts
Keep balances you enter yourself in one household-private view.
Harbor
A calm, private home for your real-life money.
Track what you owe, own, and owe others — by hand, in minutes a week. No bank login. No feed of noise. Just your numbers, where you put them.
No bank login needed.
The problem
Real-life money is scattered everywhere.
Your financial life doesn't live in one neat account. It's spread across accounts, bills, subscriptions, debt, savings goals, buckets, and money between you and other people.
BillsSubscriptionsDebtSavings goalsMoney owedAccountsBuckets
Harbor brings all of it into one calm, organized place.
Available today
A calm command center for your money
Transactions
Record income and spending manually, with no bank connection required.
Bills & subscriptions
Track recurring due dates, renewals, and ordinary schedule changes.
Goals, debts & buckets
Organize what you are saving, paying down, and setting aside.
Money owed
Keep owed-to-you and you-owe amounts separate and easy to update.
Reports & exports
Review clear summaries and download your records by category.
Planned — not available today
- • Optional account syncing
- • Forecasting and payoff planning
- • Family profiles and learning
- • Optional AI guidance
How it works
Four calm steps to clarity
01
Name your Harbor
Give your private household workspace a familiar name.
02
Add an account
Enter an account and its current balance. No bank login is required.
03
Add what you pay regularly
Track a bill or subscription with the due date you know.
04
Add recent spending
Record one recent transaction. That simple manual habit builds the picture.
Plans
Start with the Harbor that exists today
Harbor is free to use today. Paid plans are planned for the future—final plans and prices aren't published yet, and you'll always be told before anything is charged.
Included today
Private, manual-first organization for real-life money.
- Manual accounts and transactions
- Bills, subscriptions, debts, goals, and buckets
- Money owed between you and other people
- Monthly reports and per-category CSV exports
Planned
These ideas are not available in Harbor today.
- Optional account syncing
- Cashflow forecasting and payoff planning
- Family profiles and guided learning
- Optional AI guidance
Privacy-first
Your numbers stay in your household.
Harbor is a manual-first organization tool. It never asks for your bank login, and future syncing or AI ideas are planned only — they are not part of Harbor today.
Manual by design
Use Harbor without connecting or sharing a bank login.
Household-private records
Signed-in access and household rules keep financial records scoped to your Harbor.
Portable data
Download the records you have entered as category-by-category CSV files.
No data sales
Harbor does not sell your financial data or use it for advertising profiles.
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Privacy-first from day one. Manual entry is always available.