Hearthwise

Where families learn money together.

A budget you run together in fifteen minutes a week, and a space where your kids earn, save, share, and learn how money works.

Optional: Would a 1:1 family money session be useful to you?

We're curious what would help families most. This isn't a feature we offer, and answering doesn't sign you up for anything.

By joining, you'll get launch updates by email. Unsubscribe anytime. The waitlist is for parents and guardians (18+). How we handle your email.

We use Formspree to collect your email, and we'll delete the waitlist within 90 days after Hearthwise launches on the App Store.

Coming to iPhone and iPad. Early families get the beta first.

One app, two sides.

Parents run the household money. Kids get their own space, built for their age. Hand over the phone or iPad with one tap — a parent PIN keeps the budget on the grown-up side.

For parents

The honest picture, in seconds a day.

  • A number you can trust“Truly left” counts spending, debt payments, and savings — not just purchases.
  • Log it in four secondsAmount, category, done. Recurring bills log with one tap.
  • Your debt-free dateSnowball or avalanche, and what an extra $50 a month changes.
  • A library that shows the futureShort reads and calculators for compounding, debt, and emergency funds.

For kids

Earn it, split it, watch it grow.

  • Spend, Save, and Share jarsEvery dollar splits the way they choose.
  • Chores that payThey tap “I did it!” You approve, and the money lands in their jars.
  • KindlingYou add a little bonus to their Save jar every week. Kids watch their savings grow, week by week. (You pay the bonus; Hearthwise just keeps track. No money moves through the app.)
  • Money School that grows with themLessons and quizzes from age 5 to 17, with stars, badges, and level-ups on their birthday.

Fifteen minutes on Sunday changes everything.

The weekly money meeting is the habit that turns a budget into a plan. Hearthwise builds the agenda from your week, so you just show up.

  1. The numbers

    What you spent this week and where the month stands. No blame, just facts.

  2. Wins

    Debt paid, savings added, goals reached — found for you.

  3. The kids

    Approve chores, pay allowance and add Kindling. Their favorite part.

  4. One thing to fix

    Just one, with a question to talk through. Next week, you check in on it.

  5. Next week

    What's coming up that money needs to know about.

Make it yours: pick the day and time, every week or every other, reorder the steps, and add your own agenda items and questions.

Private by design.

Hearthwise is built for your family, not for advertisers.

No bank links

You log what matters. Nothing connects to your accounts, and nothing moves money.

Stays on your device

Your budget and your kids' profiles live on your phone, not on our servers. We never sell your data.

Less data, less risk

Kids' profiles hold a first name and their progress — no email, no phone number. The app has no ads and no tracking. Read the details.

Most of us never learned money at home.

Your kids can. Join the waitlist and be one of the first families to try Hearthwise.

Optional: Would a 1:1 family money session be useful to you?

We're curious what would help families most. This isn't a feature we offer, and answering doesn't sign you up for anything.

By joining, you'll get launch updates by email. Unsubscribe anytime. The waitlist is for parents and guardians (18+). How we handle your email.

We use Formspree to collect your email, and we'll delete the waitlist within 90 days after Hearthwise launches on the App Store.