Hearth: Couples Budget

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About this app

Finally, a budget you and your partner will both actually use.

Hearth is shared envelope budgeting built for couples: simple enough that you'll both stick with it. Create shared envelopes for groceries, bills, dining, and savings. Both partners see the same budget in real time, log expenses from either phone, and always know what's left before they spend. Type purchases in yourself, or connect your bank and just approve what comes in.

BUILT FOR TWO. NOT BOLTED ON.

Most budget apps are designed for one person. Hearth is built from the ground up as a shared budget app for couples. Both partners have equal access, see the same envelopes, and log expenses in real time. No syncing delays, no guessing what your partner spent. One shared view of your money, always up to date.

WHY COUPLES CHOOSE HEARTH

NEW: Carry forward
Whatever you don't spend rolls into next month instead of resetting to zero. Underspend in January and January's leftover is still there in February.

NEW: Envelope types
Mark an envelope Fixed for bills that don't move, Variable for everyday spending, or Savings with a goal amount and a date.

NEW: Check-in rhythm
Pick weekly, every two weeks, or twice a month, and every envelope shows whether you're on pace for that window. Your budget still resets monthly.

NEW: Insights by partner
Filter spending analysis to one person instead of the household total, so each of you can see your own habits.

Bank sync (optional)
Connect your bank and new transactions arrive on their own in a review inbox, each with a suggested envelope. Nothing touches your budget until you approve it.

Shared envelopes for every category
Create envelopes for groceries, rent, bills, dining, savings, and anything else your household needs. Both partners contribute and both can see exactly what's left before spending.

Real-time expense tracking across both phones
Log an expense on one phone and it appears on the other instantly. No manual syncing, no end-of-month surprises.

AI receipt scanning
Snap a photo of a receipt and Hearth fills in the amount and category automatically. Faster logging means fewer missed entries.

Privacy-first: your bank, on your terms
Hearth works fully with manual entry. Connecting a bank is entirely optional, read-only, and runs through Plaid: your bank credentials never touch our servers. What you track stays between you and your partner.

Shared payees and recurring bills
Set up your landlord, utilities, or subscriptions once. Both partners can log against them without re-entering details.

Spending insights
See where your money goes with heatmaps, category breakdowns, and spending trends. Understand your patterns as a couple, not just as individuals.

PERFECT FOR

Newlyweds setting up their first joint budget
Partners combining finances for the first time
Couples who need a shared expense tracker that works on both phones
Anyone who wants transactions to flow in automatically without giving up control
Couples who tried YNAB, Mint, or spreadsheets and didn't stick with them

Start free with full partner sharing and unlimited transactions. Upgrade to unlock more envelopes when you're ready.

Less money stress. More clarity. Budget together with Hearth.

Support: [e-mail]
Privacy: hearthbudget.com/privacy