Harbor
A safe harbor from life's financial storms.
Track bills, subscriptions, savings goals, debt, refunds, and life's unexpected expenses in one calm place.
The problem
Real-life money is scattered everywhere.
Your financial life doesn't live in one neat account. It's spread across bills, subscriptions, debt, savings goals, refunds, insurance, and the surprise expenses that always seem to arrive at the worst time.
Harbor brings all of it into one calm, organized place.
Everything in one place
A calm command center for your money
Safe to Spend
See what is truly available today after bills, goals, and upcoming expenses are accounted for.
Income & Expenses
Track money coming in and going out, whether you enter it manually or sync it automatically.
Bills & Subscriptions
Track recurring bills, renewals, trials, and subscriptions before they surprise you.
Cashflow Forecasting
See what is coming before the next payday so tight weeks are easier to plan for.
Savings Goals
Track Christmas, vacations, emergency funds, school costs, repairs, and other real-life goals.
Debt Payoff Planner
Compare payoff paths and see how extra payments can reduce time and interest.
Money Owed & Refunds
Keep tabs on refunds, reimbursements, deposits, rebates, and money still owed to you.
Tax & Giving Buckets
Set aside money for taxes, donations, business costs, and other important promises.
Documents & Warranties
Store receipts, return windows, warranties, insurance papers, and important money records.
Privacy-first Choice
Start manually for free, or unlock secure automatic syncing when you are ready.
AI Money Coach
Optional guidance that explains your money in plain English and helps you plan calmly.
Family Financial Literacy
Built-in lessons for kids, teens, and adults so the whole family can build confidence.
How it works
Four calm steps to clarity
Add your money manually or automatically
Start in minutes by entering your money details manually — no bank linking required — or let Harbor do the work with a safe, secure connection when you're ready.
Track what is coming in and going out
Log income, expenses, bills, subscriptions, savings goals, and expected refunds so the full picture is clear.
See what is safe to spend
Harbor does the math and shows you the amount that's truly free to spend right now.
Stay ready for life's storms
Build a cushion and a plan so surprise expenses feel manageable, not scary.
Planned pricing
Simple plans for real-life money
Harbor is in development. Join the waitlist for early access and help shape the final plans before launch.
Free
Start with manual tracking and a calmer view of your money.
- Manual income and expense tracking
- Safe to Spend
- Bills and subscriptions
- Up to 3 savings goals
- Money owed and refunds
- Basic financial literacy lessons
Harbor Plus
For a fuller picture of bills, goals, debt, and cashflow.
- Everything in Free
- Unlimited savings goals
- Cashflow forecasting
- Debt payoff planner
- Tax and giving buckets
- Optional secure account syncing
- AI Money Coach
Family
Shared clarity for households, parents, kids, and goals.
- Everything in Harbor Plus
- Household member profiles
- Kids and teen money profiles
- Shared goals and bills
- Family reports
- Full financial literacy library
Business
Simple tracking for side hustles and small business money.
- Separate business workspace
- Business income and expenses
- Tax holdback buckets
- Client and project income tracking
- Pending payouts and reimbursements
- Business reports and exports
Privacy-first
Your money. Your data. Your harbor.
Harbor gives you control over how your financial life is tracked. Start manually for free, with no bank linking required. When you're ready, paid plans can unlock automatic account syncing so Harbor can help do more of the work for you.
Manual entry is always available
Track your money on your own terms without connecting a bank account.
Optional automatic syncing
Paid plans can let Harbor securely connect and organize your financial activity automatically.
You control your data
Your financial information belongs to you. Export or delete it anytime.
AI features are optional
The AI Money Coach is always opt-in. Use it only if and when you want.
Join the Harbor early access list
Be first to find your calm. We'll send you an invite when Harbor opens — no spam, ever.
Privacy-first from day one. Manual entry is always available.