Household finance for stewards
Your whole household’s finances, in one clear picture.
Budgets, bills, goals, investments and giving, from your own accounts, read-only. See where your money goes, how your investments have done since you bought them, and what you’ve given.
Seven quick sections, about three minutes. No account, nothing to connect.
Already have an account? Sign in
$412,380
+$144,380 over three years
VTI bought Mar 2022
+38.2% +$14,210
AAPL bought Nov 2019
+112.4% +$9,860
BND bought Jan 2024
−2.1% −$310
$9,640
The heart behind it
The money we have isn’t ours.
The heart behind HisHarvest is to help people with their finances, and especially to help with sustainable missions.
It’s called HisHarvest because the money we have isn’t ours. God has entrusted it to us. We have to tend it well, and by doing so we can help others and provide better for our own future.
Why “HisHarvest”
The harvest is His. What we have was never only ours. Our part is to tend it well, and to bless those less fortunate than ourselves.
Built for the long haul
In the story of the talents, the servants who were praised put what they’d been given to work. HisHarvest is built for that patience: long horizons, real numbers, nothing designed to make you anxious.
Give from what you can see
You can only be generous from margin you actually know you have. HisHarvest helps you see yours.
In the Bible, there is a story about a man called Boaz. He left the edges of his field unharvested so someone with nothing could take from it. This is a beautiful picture of how we could be.
See where you stand
Seven quick sections. A clear picture of where your household is today.
About three minutes, tap-only answers. No account, nothing to connect, round numbers are fine.
- What it asks.
- The ordinary things: what comes in, what you have, your home, what you owe, cover for the people who depend on you, and giving. Only the follow-ups that apply to you.
- “About how much does your household spend in a typical month?”
- What you get.
- What your household is roughly worth from your own answers, then a plain read on seven areas, from Strong footing to Worth attention, with one sentence on what’s working and what helps next. Printable.
- Emergency fund · Building · “You have a start: one to three months of spending in cash.”
- What it isn’t.
- Not a score. Not a grade. Not a comparison with anyone. Not a sales funnel. We don’t read your answers.
The last question is the point.
Most people can’t say what their household is worth without logging into four places and doing sums. That’s the problem HisHarvest solves.
Seven quick sections, about three minutes. No account, nothing to connect.
Checking
$22,900
Brokerage
$186,200
Retirement
$131,400
Mortgage
−$347,620
Budget
Make a budget from what you really spend.
Link your accounts and HisHarvest builds a starting budget from your last twelve months, with a reason beside every number. Then make it yours.
Build your first budget.Request access →Planned income
$7,200
Fixed
$3,150 of $3,150Flexible
$1,240 of $1,800Non-monthly
$95 of $600Goals
$700 of $700Car insurance fund · $380 of $1,140
$950
July looked high, so it’s flagged, not hidden.- Link your accounts.
- Checking and credit cards, read-only. Every purchase lands in one list, sorted into categories for you.
- Checking · Credit card · Savings · 3 linked
- We build a starting budget.
- One tap builds it. Each amount comes from what you actually spent, and odd months are flagged, not hidden.
- Groceries · $880 a month · based on the last 12 months
- Adjust it to fit.
- Keep bills fixed, put everyday spending in one flexible pool, and set money aside each month for bills that come once a year.
- Car insurance · $1,140 a year · $95 a month set aside
- See what’s left.
- Left to budget shows income you haven’t planned yet. Turn on rollover and what you don’t spend carries into next month.
- Left to budget · $950 in October
Recurring
Know every bill before it’s due.
HisHarvest finds the bills and paychecks that repeat, asks you to confirm them, and shows what’s paid, coming up or late each month.
See what’s coming this month.Request access →2 to review
Mortgage
$1,890.00
Paycheck · every 2 weeks
+$3,320.00
Water
$48.20
Electric company
$142.10
Phone and internet
$200.00
- Found for you, confirmed by you.
- Charges and paychecks that repeat show up in a short review. Say yes, say no, or skip it for now.
- Electric company · about $142 a month · Is this recurring?
- The month at a glance.
- A list and a calendar of what’s paid, what’s coming and what’s late, with your income on the same page.
- Oct 20 · Phone and internet · $200.00 · Upcoming
- Price changes, flagged.
- Subscriptions show what they cost in a year, with a flag when a price goes up.
- Streaming · $15.99 → $17.99 · $216 a year
Goals
Save for what matters, from real accounts.
Set aside part of a real savings or investment balance for each goal, and see right away if you’re on track.
Set your first goal.Request access →Emergency fund
Down payment
Pay down
2049
$347,620
- Built on real accounts.
- Pick the accounts that hold your goal money. HisHarvest shows what’s set aside and what’s still free.
- Emergency fund · $8,200 of $15,000 · On track
- A monthly amount to aim for.
- Add a target date and see what to set aside each month. It shows up in your budget, too.
- Down payment · $400 a month needed by June 2028
- Paying down debt, too.
- Your loans and cards in one list, with the interest still ahead and the month your loans are paid off.
- Mortgage · $347,620 · paid off in 2049
Accounts and forecast
Your whole household on one page, and where it’s headed.
Accounts, investments, retirement, home and cars, minus the mortgage and loans. Then a look at where it could be in 10 or 30 years.
A forecast is a way to think about the future, not a prediction of it.
Take the long view.Request access →Investments
$186,200
Retirement
$131,400
Cash
$22,900
House
$402,000
Cars
$17,500
Mortgage
−$347,620
Net worth
$412,380- What you own, minus what you owe.
- Add a mortgage or car loan once; the balance, payoff date and interest remaining follow. US homes are revalued monthly.
- $402,000 house − $347,620 mortgage = $54,380 equity
- History with reasons.
- Up to three years of daily net worth. Click any day to see every account as it was.
- Last 3 months · +$9,420 · market +$8,100, contributions +$1,320
- Plan for life’s big moments.
- Add your take-home pay and retirement age, then events like a new job, a child or a home. Compare two plans.
- 30 years out · $890k to $2.7M · median $1.57M
Investments
How you’re really doing, since the day you bought.
What you own, what it has earned since you bought it, and what you’d owe if you sold. Never what it did this morning.
See what you’ve gained since you bought it.Request access →VTI bought Mar 2022
+38.2% +$14,210
AAPL bought Nov 2019
+112.4% +$9,860
BND bought Jan 2024
−2.1% −$310
+51.0%
+49.0%
≈ $2,140 estimate
- Gain since you bought.
- Dollars and percent from your own purchase date, with the history of when you bought and sold.
- AAPL · bought Nov 2019 · +112.4% · +$9,860
- When a gain turns long-term.
- Each purchase tracked separately, with a countdown to the one-year mark where its tax treatment changes.
- BND turns long-term in 12 days
- Tax if you sold today.
- An estimate worked out the way the IRS does it, at rates you can adjust. Estimate only. Confirm with your CPA.
- Sell everything today ≈ $2,140 owed
Giving
Giving is a core part of your finances here. Not a line under “other.”
No tithe target. No streak. No comparison to anyone else. Just a plain picture of what you’ve given, year by year.
If the faith framing isn’t yours, the app still holds up: a long horizon, honest numbers, and generosity as a line you can see.
See what you’ve given.Request access →$9,640
11.2%
14.8%
+$1,140
- Built in.
- Your church, missions and charities sit beside spending, savings and net worth, with a Giving page that shows who you gave to this year.
- $9,640 in the last twelve months
- Plain numbers, then it stops.
- Share of income, share of spending, and how it changed year over year. No “you should.”
- 11.2% of income · 14.8% of spending · +$1,140 vs last year
- More to come.
- This is the part of the app we most want to build out. If you have ideas, we want to hear them.
Household
Plan together.
Invite your spouse into the same household. You each sign in with your own login and see the same picture.
Bring your spouse along.Request access →Trader Joe’s
Joint−$86.40
Gas station
Alex−$41.75
Hardware store
Sam−$64.12
- Yours, theirs and shared.
- Mark who owns each account, then view transactions, cash flow and net worth for one of you or both.
- Everyone · Alex · Sam · Joint
- Hand it over.
- Not sure what a charge was? Mark it for the other person to review.
- Hardware store · −$64.12 · Needs review by Sam
- Your own alerts.
- Each person picks their own alerts and emails, so nobody gets an inbox they didn’t ask for.
Ask HisHarvest
Ask a question, get a plain answer.
Ask about your spending, net worth or investments in your own words. You get a short answer and a small chart.
Ask your first question.Request access →How much have we spent on eating out this month?
$412 so far this month, $46 more than the same days last month.
- The AI explains. Our code does the math.
- Every number comes from the same math the rest of the app uses, and each one is checked before you see it.
- “Eating out: $412 so far, $46 more than the same days last month.”
- It looks. It doesn’t touch.
- It reads your numbers. It can’t move money or change a transaction. For that, it links you to the right page.
- Off until you turn it on.
- Ask HisHarvest stays off for your household until you switch AI on, and you’re asked once before your first question.
And more
A few more things it does.
The everyday tools that keep the rest of it accurate.
- Home.
- One page with your budget, bills, net worth and giving. Show, hide and reorder what you see.
- Transactions.
- Search everything, split a purchase, edit many at once, and set rules that sort new ones for you.
- Receipts.
- Upload a receipt and it’s matched to the right purchase, with the items listed.
- Reports.
- Cash flow, spending and income for any dates. Save a report and download the chart.
- Business.
- Keep a side business or rental apart, with its own profit and loss and tax-season exports.
- Weekly recap.
- A Monday email with last week’s spending, bills due soon and your budget. Turn it off any time.
Connected, read-only
Security is a priority.
You sign in at your own bank, through Plaid. HisHarvest gets permission to read balances, transactions and holdings. Nothing more.
Security is a priority.Request access →- Read-only, always.
- It cannot pay, transfer, trade or change anything.
- Your password stays at your bank.
- It never touches HisHarvest.
- Encrypted where it counts.
- The connection to each bank is encrypted with AES-256-GCM. Two-factor sign-in is required, no opt-out.
- Disconnect any time.
- Unlink a bank and keep the history or remove it. Either way, the connection is revoked.
Your data is yours
Easy to leave is a feature.
Erase your financial data, or delete your whole account, from Settings. Instantly. Nobody to ask, nothing left to recover.
- We don’t sell your data.
- Not to advertisers, not to brokers, not to anyone.
- AI explains. It never calculates.
- AI notes and Ask HisHarvest stay off until you turn them on. Every figure comes from our own code. AI writes the note beside a number, answers your questions, suggests a category you confirm, or reads a statement or receipt you upload.
- “Eating out is up $60 on last month, mostly weekends.” · Observation, not advice
- A teaching tool, not an advisor.
- HisHarvest shows and explains. It gives no financial, tax or investment advice.
The part we care most about.
There’s a paid version for households outside of ministry. For staff who fundraise their income, HisHarvest is free. The app is run at cost, not for profit, and helping missionaries is the reason it exists.
The harvest is His. The tending is ours.
Start with the checkup. Seven quick sections, three minutes, nothing to connect. If HisHarvest looks like the right home for your household’s numbers, ask for an account. It’s invite-only for now so every household gets set up properly, and we’d genuinely love your feedback.
Already have an account? Sign in