The intelligent way to manage money
Forget boring budgets and stressful spreadsheets. Harper spots your spending patterns and helps you build money habits you'll actually stick to.
Everything you need, nothing you don't
Ask anything about your finances
Get instant, plain-language answers about your spending, trends, and opportunities. Harper understands context so you never have to dig through statements again.
- Natural language queries across all accounts
- Contextual insights based on your history
- Actionable suggestions, not just data
All your accounts in one place
Every bank, card, and investment account unified in a single view. Real-time balances, smart categorization, and automatic bill detection.
- Real-time balances across all institutions
- Automatic transaction categorization
- Bill and subscription tracking
Budgets that adapt to your life
Set spending limits that flex with your lifestyle. Harper learns your patterns and nudges you before you overspend — not after.
- Flexible categories that adjust automatically
- Proactive alerts before you hit limits
- Progress tracking with visual breakdowns
Never miss a payment again
Add your bills and subscriptions so Harper can remind you before due dates and factor them into your financial advice.
- Add bills and get timely reminders
- Harper uses your bills to give smarter advice
- See all upcoming payments at a glance
From secure sync to smart guidance
Harper keeps the heavy lifting behind the scenes so you can make smarter money moves in minutes.
Connect your accounts securely
Link your bank accounts through Plaid to bring every balance, card, and transaction into Harper without sharing credentials.
- Authenticate through Plaid so your credentials stay safe.
- Create a read-only link to every balance, card, and account.
- See all of your institutions in one encrypted feed.
See everything organized for you
Harper automatically categorizes spending, tracks bills, and surfaces what changed so you always know where your money stands.
- Fresh transactions show up with smart categories attached.
- Bills and subscriptions are tracked with gentle reminders.
- Dashboards highlight what moved since you last checked in.
Get smart insights and take action
Chat with Harper to understand trends, set budgets, and build habits — all in plain language with actionable next steps.
- Ask in plain language and get concise answers instantly.
- Spot trends, unusual spend, and hidden saving opportunities.
- Create flexible budgets and challenges that keep you on track.
Your data stays yours
We partner with Plaid, the industry leader in financial connectivity, to ensure your data is always protected. We never see or store your bank credentials.
End-to-end encryption
TLS in transit, AES-256 at rest
Read-only access
We can never move your money
Instant revocation
Disconnect any account anytime
Ready to take control?
Join the waitlist to get TestFlight access and be the first to try Harper on iOS.