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, investments, rental property, tax prep and net worth, kept in one set of books that always balances. Each person in the household has their own sign-in.
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.
Tax prep
Categories map to Schedule C and Schedule E lines per business or property. Estimated quarterly payments and tax-deductible tagging, with realized gains and harvesting candidates.
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 username and password, stored with Argon2id, and repeated wrong guesses lock the account. 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 is in use with a small number of households today. Leave your name and email and we will let you know when you can join.
How do I sign in?
With your own username and password, or with a passkey saved on your phone or computer.
Does it connect to my bank?
Yes, through Plaid, for the banks it supports. You can also import a CSV from any bank.
How does it make money?
Not from your data. There are no ads, and nothing you enter is sold or shared.
Want to try it?
Henry Money is opening to more households soon. Leave your name and email and we will be in touch.