Say it. It's in the family budget.
Hearth is a family budget for iPhone that you run by talking. Say what you spent, the way you'd tell your partner, and every phone in the family sees the same budget.
"85 groceries and 40 gas yesterday." Both saved, with five seconds to undo.
In testing on iPhone now. No account needed.
"85 groceries and 40 gas yesterday"
$85.00
$40.00
$1,524.42 left for October
Saved 2 Undo
25 taps, or one hold
Why talking beats typing
Most budget apps need a form for every purchase. Entries get skipped, the budget drifts away from what really happened, and one person ends up doing all of it. Here are the same two purchases, "85 groceries and 40 gas yesterday", both ways.
A typical budget app
Typing: five screens for every purchase
25 taps for the two purchases
About 45 seconds, eyes on the phone, both hands. Groceries takes 11 taps; gas takes 14, because the date has to move to yesterday. Most people put it off until tonight, then forget.
1 tap. Open the app and find the + button.
5 taps. Type 8, 5, point, 0, 0 on a number pad.
2 taps. Open categories, scroll, pick one of 43.
2 taps. Which card was it? Pick from seven.
1 tap. Save. Groceries done: 11 taps.
14 more taps for gas: the same steps, plus moving the date to yesterday.
Hearth
Talking: one sentence for both
1 hold, about 4 seconds
Said at the checkout or in the car, right when it happens. Hearth picks the lines, works out "yesterday", saves both and gives 5 seconds to undo. The phone never needs your eyes for more than a glance.
1 hold. Say both purchases in one sentence, the way you'd tell your partner.
Done. Both saved, lines and date picked for you, 5 seconds to undo.
| Typing app | Hearth | |
|---|---|---|
| Two purchases | 25 taps across five screens | One hold: "85 groceries and 40 gas yesterday" |
| Setting up the month | Type 58 bills one by one: name, amount, category, how often | A 6-minute conversation; missing amounts estimated and marked |
| A partner joins | Download, create an account, confirm an email, accept an invite | Scan a code. No account, no password |
| Paying in euros | Convert by hand, or pick a currency on every entry | Say "20 euros"; converted at that day's rate |
| The same bill twice | Noticed at month end, if at all | Asked before it's saved |
| Who keeps it up | Often one person, until they stop | Whoever spent it, while it's fresh |
Tap counts are for the add-expense flow shown above. Real apps differ in the details, not in how many fields a purchase needs.
3 steps
How it works
-
Set up by talking.
Hearth asks about ten short questions: who's in the family, what comes in, what goes out, what comes once a year. In five to eight minutes you have a zero-based monthly plan where every dollar has a job. Anything you weren't sure of is estimated and marked, so you can confirm it later. Rather type? The same conversation works with a keyboard.
-
Say what you spent.
Hold the mic and say it, several things at once if you like. Hearth saves each one straight away and gives you five seconds to undo. If something is unclear, it asks one question with the answers as buttons. If it looks like a bill someone already logged, it asks before saving it twice.
-
Everyone sees one budget.
Every phone shows what's left this month, what's due in the next three weeks and what to move on payday. Yearly costs come out of a pot you fill a twelfth at a time, so the holidays don't wreck the month.
What it isn't
- Hearth never moves money, never asks for bank passwords and never reads your bank balance.
- It doesn't keep your voice. Speech becomes words on your phone; only the words go to Hearth, and they're discarded once they're read.
- It doesn't nag. Notifications start off, and there are no streaks, badges or confetti.
- It doesn't sell, share or advertise with your family's data. No ad or analytics SDKs.
What it does
- Sets up a zero-based monthly plan from one spoken conversation, and marks every estimate so you can confirm it later.
- Saves what you say straight away, with five seconds to undo, and asks one question when something is unclear.
- Keeps one budget on every family phone, even offline. Two edits of the same entry never overwrite each other silently.
- Takes any currency: say "20 euros" and it's converted at that day's rate, with the original kept.
- Sets money aside each month for yearly bills, lists what to move on payday, and shows your savings build up month by month.
- Exports everything as a CSV file whenever you like once your household has started the plan or its trial, even after it lapses.
0 accounts to make
Your family joins without an account.
Send a link, show a QR code or AirDrop it. They open it and see the same budget. A link made for someone joins only as that person; a link made for no one joins as someone new. No email, no password.
- Adults see and change everything, each on their own phone.
- Kids, grandparents and "Family" don't need phones. They're names that spending can be for: "soccer 75 for the oldest".
- "I" means whoever is holding the phone, so "I paid the internet" is logged as theirs.
- An invite works for 7 days, once. Lose a phone, and a new phone link brings you back as yourself, with everything you logged.
- Sign in with Apple is optional. It only helps you move to a new phone.
Invite from Mike
Join the family budget.
This invite is for
- Sarah adult
1 plan per family
One plan for the whole family.
Every phone in the household, for one price.
Comes with
- Voice logging for everyone
- One budget on every phone
- The yearly pot
- Payday checklist
- Siri and widgets
Never
- Ads
- Selling your data
- Moving your money
- Per-person pricing
- Bank passwords
Annual · 14 days free
$49.99 a year
$4.17 a month
Prefer monthly? $6.99 a month.
One subscription covers everyone in the household. It is billed by the App Store; cancel any time in your Apple ID settings. If the plan lapses, your family can still see, type and export everything; voice pauses. Hearth is in testing now, and these are the prices it will launch with.
Our family's budget lived in a shared spreadsheet. It stayed right only while I typed in every purchase, and on busy weeks I didn't. What finally worked was saying it in one sentence. Hearth is that, for the whole family, on every phone. If it gets something wrong for your family, tell me. I read every email.
— Narek, who makes Hearth
Four seconds from now
It's in the family budget.
Questions, feedback, anything: hello@sayhearth.com