Net worth & accounts
Bank, brokerage, loans and property in one balance. Net worth updates the moment the ledger moves.
The household ledger
Your household’s money, in one place.
Spending, budgets, bills, investments, rental property and net worth, kept in one set of books that balances to the cent. Each person in the household has their own sign-in. Opening to new households from the waitlist.
What it does
One set of books for the whole household.
Every account and every transaction lands in the same books, so your balances, reports and net worth always agree with each other.
Spending & budgets
Flex or by-category budgets, rollovers and left-to-budget keep the month on track without rigidity.
Recurring & bills
Subscriptions and bills are detected for you and tracked against what actually posts each month.
Investments
Holdings, not just balances. Time-weighted returns, allocation and a balance you can reconcile to positions.
Rentals & real estate
Every property is its own profit-and-loss: value, debt, equity, rent roll, income, operating costs and cash flow, by month — Schedule E-ready.
Goals & planning
Save up or pay down. Earmark money without moving it, with avalanche or snowball and a debt-free month.
Taxes for landlords
Each rental’s Schedule E by line, depreciation on the building, a federal estimate from the IRS’s published figures, and the estimated payments still due.
Privacy and security
Your numbers stay yours.
Households are kept apart by the database itself, every person signs in as themselves, and nothing is shared or sold.
A sign-in for each person
Everyone has their own password, stored with Argon2id, and repeated wrong guesses are slowed down. Passkeys work too, with Face ID, Touch ID or a device PIN.
Households kept apart
The database itself refuses to show one household’s records to another, so a bug in the app cannot leak them.
A record you can trust
Every imported transaction is kept exactly as your bank sent it. You categorize it; you never overwrite it.
To the cent
Amounts are stored as whole cents, never rounded, and every entry has to balance before it is saved.
Questions
Common questions
Is Henry Money open to the public?
Not yet. It runs a small number of households today, and opens to the waitlist next, a few households at a time. Join the waitlist and we will email you when your spot is ready.
What will it cost?
It is free. Keep your accounts by hand and import statements from any bank. Automatic bank sync is coming soon, and we will say what it costs before it arrives.
Does it connect to my bank?
Automatic bank sync is coming soon. Today you import a CSV statement from any bank, card or brokerage, or enter transactions by hand, and Henry Money skips anything it has already seen.
How does it make money?
Not from your data. There are no ads, and nothing you enter is sold or shared.
Join the waitlist
Henry Money opens to new households a few at a time. Leave your name and email and we will tell you when your spot is ready. No spam, and we never share your address.