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.
No credit card. No commitments. Just a launch notification.
Sound familiar?
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.
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.
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
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.
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.
Every transaction tagged, categorised, and searchable from day one. Recurring patterns detected automatically. Split a dinner, log a shared purchase, or note cash spending — all in seconds, not minutes.
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.
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 detailsRent, 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
Neither does Harmony.
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.
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
Bank accounts, cash wallets, savings pots, investment accounts. Yours, your partner's, shared. Any country, any currency. Add as many as your life spans.
Choose what's shared, set your budgets, pick your home currency, and add any upcoming expenses you know about. Harmony learns the rest automatically.
One dashboard, everything in sync, nothing hidden that shouldn't be. Open the app and know exactly where you stand — individually, together, globally.
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
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.
Sign in without passwords. Phishing-resistant authentication built in from day one.
Sensitive financial data encrypted before it ever reaches our servers. Your data is yours.
Your data rights protected. Export or delete everything you've ever stored, any time.
Working towards SOC 2 Type II certification. Security isn't an afterthought — it's on the roadmap from day one.
No advertising scripts. No analytics companies profiling your financial behaviour. No Google Fonts that phone home. What you do in Harmony stays in Harmony.
Three commitments we make to every Harmony user. These aren't fine print — they're the foundation of how we operate.
Harmony has no advertising model. We will never serve ads, build advertising profiles, or let what you earn or spend influence what you're shown anywhere.
Your financial data never touches third-party analytics, marketing, or data broker services. What happens in Harmony stays in Harmony.
Export everything at any time. Delete everything at any time. No lock-in, no hostage data, no dark patterns. Your data belongs to you, not us.
Pricing
No hidden fees. No per-user surprises. One honest price for the life you're actually living.
All your accounts, in every currency, with full upcoming expense tracking and smart budgets. For one person who wants complete financial clarity.
Everything in Individual, shared. Both your accounts, with shared and private views, shared budgets, joint expense tracking, and shared goals.
For households, families, and anyone managing finances across more than two people. Flexible shared and private views, group budgets, and shared goals for everyone.
Join the waitlist. We'll let you know the moment we launch — plus early access for the first 500 people who sign up.
We'll be in touch the moment Harmony launches. Thanks for believing in better.