Budgeting without the
drudgery.

Set it up once. Let the system do the heavy lifting. Here is how Hearth & Ledger turns chaos into clarity.

1

Sync your financial life.

Securely connect your checking, savings, and credit cards. We use Plaid to pull in transactions automatically, so you never have to manually enter a receipt again.

  • Bank-level security (AES-256)
  • Supports 12,000+ institutions
C

Chase Checking

****8829

A

Amex Gold

****3001

Pay Schedule

Bi-Weekly
SMTWTFS
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Next paycheck: Friday, Oct 15
2

Define your rhythm.

Your bills don't care that it's the 1st of the month. They care when you get paid. We align your budget to your actual pay cycle—whether that's weekly, bi-weekly, or monthly.

This prevents the "rich on the 1st, broke on the 20th" cycle.

3

Chat with your finances.

Stop digging through spreadsheets. Our Gemini-powered AI assistant lives in your dashboard. Ask it anything about your money.

"How much did we spend on coffee?"
"Can we afford a weekend trip?"
"Show me my subscription bills."
Review our dining budget.
You've spent $420 on dining this month. That is 15% higher than usual.

Ready to find your number?

Join thousands of households living with financial clarity.