Harper · early access

A friend who is actually good with money.

Lives in your texts. Reads your statements. Catches what you would miss, and tells you before it costs you.

Get early access See how it works
  • Read-only via Plaid
  • Lives in iMessage
  • Replies in seconds

01 Why Harper

Money apps wait for you
to check in. Harper checks in on you.

Dashboards are honest but passive. They watch you pay for a gym you quit in March, miss a quiet price hike, eat the late fee, and then chart it all beautifully after the fact.

Harper works like an assistant. It reads every transaction the moment it lands, remembers what you care about, and speaks up at the right time. Ask it anything, or say nothing and let it catch what you would have missed.

$1,200

lost each year, on average, to forgotten subscriptions and quiet price hikes. Harper gives it back, one text at a time.

02 How Harper thinks

Three quiet habits
of someone good with money.

  1. 01

    Read

    Every transaction the moment it lands. Refunds, renewals, the weird ones. Nothing slips by unread.

  2. 02

    Remember

    The calendar of your money: trials, rent, raises, habits. It holds the shape of your financial life in hand.

  3. 03

    Reach out

    A text before the charge hits, before rent runs thin, before the trial rolls into a year. Right moment, not later.

03 In your Messages

No new app.
It texts you.

Harper lives in your Messages and speaks up first. A renewal you forgot, a paycheck that landed, a balance running thin before rent. Reply like you would to a friend.

  • Texts you before fees, not after
  • Replies in seconds, any hour
  • Knows your balances the moment you ask

04 What Harper does

Built like a careful friend,
not a finance app.

iMessage

Speaks up first.
Then waits.

A renewal you forgot. A paycheck that landed. A balance running thin before rent. Harper texts before it costs you.

Read-only

Looks. Never moves.

Bank connections are read-only through Plaid. Harper can't touch your money, only watch it well.

Always on

Replies in seconds, any hour.

3 AM or lunch break. No hold music, no ticket queue. Just a text back, grounded in your live numbers.

Grounded

Every answer cites live numbers.

If Harper can't ground a claim in a real balance or transaction, it won't make it. No guesses, no vibes. Just your money, read clearly.

Memory

Holds the calendar of your money.

Trials, rent, raises, the gym in March. Harper remembers what you'd forget, and brings it up at the right moment.

05 Ask anything

Bigger questions?
Take them to the web.

The same Harper, with room to think. Plan a trip, stress-test a budget, dig into a weird month. It answers from your live accounts and shows its work.

app.harper.money/chat

Harper

Ask anything about your money.

I want to know if I can afford two weeks in Tokyo this October.

Yes, comfortably. You average $1,840 left over each month after fixed costs. Set aside $620 a month starting now and you'll cover a $3,700 trip without touching savings.

06 Grounded

Live numbers,
or nothing.

Harper connects to your banks read-only, through Plaid. Every answer cites live balances and real transactions. If it can't ground a claim, it won't make one.

Checking··4821

$8,204.55

Savings··0476

$23,910.02

Credit··9013

−$1,042.18

Live · checking ···4821 streaming
  • Amazonrefund+$39.50
  • Delta Air Linesrefund+$418.00
  • AMC A-Listcancelled+$25.00 saved
  • Payrolldeposit+$4,210.18
  • Netflixprice hike flagged+$5/mo flagged
  • Hulutrial · cancelled+$17.99 saved

Your bank shows you what happened.

Harper handles what's next.

07 Good questions

The fine print,
in plain English.

Still curious? Write to gini@harper-ai.com. A human reads every one.

Can Harper move my money?
No. Bank connections are strictly read-only through Plaid. Harper watches, remembers, and advises. It can't initiate a transfer, payment, or trade. You stay the only hand on the account.
How does Harper read my transactions?
Through Plaid, the same layer trusted by Venmo, Robinhood, and thousands of banks. It pulls balances and transactions in real time and nothing else. No logins stored, no write access, no sharing.
Does it actually live in iMessage?
Yes. Harper is a real conversation in your Messages app. It texts you first when something matters, and you reply the way you'd reply to a friend. No new app to open, no dashboard to check.
What does it cost?
Pricing will be announced with early access this summer. Waitlist members get the first invites and a founding-member rate. One email when it's ready, nothing more.
Which banks are supported?
Over 12,000 institutions through Plaid, including Chase, Bank of America, Wells Fargo, Capital One, most credit unions, and the major brokerages. If your bank isn't listed, tell us and we'll prioritize it.
Is my data used to train AI models?
Never. Your transactions and conversations are yours. They're used to answer your questions and nothing else. Not aggregated, not sold, not used to train models for anyone else.

08 Early access

Be first
in line.

Early access opens this summer. One email when your invite is ready, nothing else.