The Most 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. No judgment, just smart advice and gentle nudges to keep your finances steady and your future secure.
Small daily habits, big long‑term results
Financial Freedom Starts with Harper
Spend your days on what brings you happiness. Harper takes care of your finances with intelligent insights and gentle nudges—so you can enjoy every moment with confidence.
From secure sync to proactive 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 with 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.
Ask questions and get smart insights
Chat with Harper to understand trends, spot savings opportunities, and get explanations in plain language whenever you need them.
- Ask in plain language and get concise answers instantly.
- Spot trends, unusual spend, and hidden saving opportunities.
- Receive context for every insight so decisions feel easy.
Act with budgets and automations
Set budgets, launch challenges, and create guardrails so Harper can guide you toward your goals automatically.
- Create flexible budgets that adjust as your lifestyle changes.
- Join habit-building challenges to stay motivated.
- Automate nudges and limits that keep progress on track.
A glimpse of Harper in action
From instant insights to bill tracking and budgets, Harper keeps everything unified and easy to navigate.
Chat & Guidance
Personalized tips that adapt to your habits.
Balances & Insights
See everything in one place without the noise.
Bills
Track upcoming bills and never miss a payment.
Budget
Set spending limits and stay within your means.
Goals
Set financial targets and track your progress.
Challenges
Fun money-saving challenges to build better habits.
Bank-grade protection powered by Plaid
We never see or store your bank usernames or passwords. When you link an account, you authenticate securely with Plaid—trusted by millions—to create a read-only connection. Your data travels over encrypted channels and stays encrypted at rest.
- End-to-end security: TLS in transit, AES‑256 at rest
- Read-only access: we can’t move money or make changes
- Revoke anytime: disconnect accounts from within the app
Plaid is an independent third-party provider used by leading banks and fintech apps to enable secure account connectivity.
Ready to manage money the smart way?
Join the waitlist to get TestFlight access and be the first to try Harper on iOS.