It learns
It picks up how you spend: the days, the categories, the excuses. Every conversation makes it sharper.
The free budgeting app that understands your money.
Hera learns how you spend, remembers the goals you set months ago, and messages you before the month gets away from you. You never have to ask.
No credit card No ads No bank login
Today · 9:41
Three months ago you wanted to buy a house.
Down payment
0%
12,400 of 20,000 · at this pace, March 2027
You're already at 63%. Want to check if now is the right moment?
No adsand no data selling
Voice & photodictate it or scan the receipt
No bank loginworks with cash too
Your memoryin files you can actually read
The problem
Every expense tracker shows you numbers. Hera tells you what they mean.
Logging expenses is the easy part. Knowing what to do about them is the hard part. Hera does the hard part.
It remembers
You told it your goal once. Three months later it still has it in mind, without you repeating yourself.
It sees it coming
It catches the pattern before the problem: that end-of-month spend that always throws your balance off.
How it works
You talk to it like a person.
No forms, no categories, no templates to fill in. You say what happened and Hera handles the rest.
Say it or snap it
“Spent 50 on dinner with Ana.” Dictated, typed, or a photo of the receipt: the AI reads the amount.
It confirms
It shows you what it understood before saving anything. The last word is always yours.
It connects it
It cross-checks the entry against your goals and tells you, in one sentence, what just changed.
Conversational AI
A conversation, not a spreadsheet.
Hera queries your real data before answering. No generic advice — your actual numbers.
Spent 50 on dinner. How does that hit my savings goal?
Logged it under Restaurants. You're at 310 this month, 18% above your average.
Your house goal is still at 63% — you didn't touch it. But two more dinners like that and it slips 11 days.
Your house goal is still at 63% — you didn't touch it. But two more dinners like that and it slips 11 days.
What if I skip one?
You get 9 of those 11 days back. I'll remind you Friday, since that's usually when it happens.
create_transaction
get_financial_summary
simulate_forecast
Queried your database before answering · 1.2 s
Smart goals
Your goals don't quietly disappear.
Every entry is measured against what you're trying to achieve. Progress is the answer, not one more chart.
House down payment
0 / 20,000
63% · created 3 months ago · at this pace, March 2027
Emergency fund (3 months)
0 / 3,000
62% · suggested 65 / week · deadline 12/31/2026
Work laptop
0 / 1,200
65% · Hera moved it up: you bill clients with it
Trip to Japan
0 / 2,500
37% · after the emergency fund · deadline 04/15/2027
Forecasting
It warns you before, not after.
Hera projects your balance using your own spending cycles, and speaks up while you can still do something about it.
Balance forecast
Next four months
Actual
Forecast
On March 12 your balance drops below 200. Move 40 today into the emergency fund and you get there without going negative.
BASED ON 4 MONTHS OF YOUR DATA
Financial coach
It keeps working after you close the app.
It reviews, compares, and only writes when it's worth your attention. Most apps wait for your question. Hera starts the conversation.
0Score
Your score goes up when your decisions do.
It doesn't measure how much you earn. It measures consistency, cushion, and how often you did what you set out to do.
+6 this month
Hera · Sunday 8:12
Rent hits tomorrow and that leaves you at 210. Want me to move the big purchase to Friday?
Hera · we talked about this three months ago
You've hit 63% on the house. Want to check if now is the right moment?
Real screenshots
Six screens. Not one of them asks you to fill in a form.
No mockups, no retouching: this is Hera running.
Comparison
The difference isn't the design.
It's who starts the conversation.
| HeraWallet | Budgeting apps | Spreadsheet | |
|---|---|---|---|
| Log expenses by voice | |||
| Understands context | |||
| Remembers your goals months later | |||
| Starts the conversation | |||
| Predicts your end of month | |||
| Explains the why behind each number | |||
| Works without a bank login | |||
| Your data leaves in a file you own |
Security and privacy
Your financial memory is yours. Literally.
What Hera learns about you isn't locked inside someone else's database. It lives in text files you can open, export or delete whenever you want.
# Goals - House down payment · 20,000 · created 11/12 - Emergency fund · 3,000 - Trip to Mexico · on hold # Habits - Gets paid by transfer on the 5th - Spends more on Saturday afternoons - Restaurants spike at end of month # Learned - Prefers short answers - No notifications before 8:00
End-to-end encryption
Your entries travel encrypted and are stored encrypted. Not even the Hera team reads your numbers.
No ads, no reselling
There are no advertisers funding this, so there's nothing to sell. That's the business model.
Delete means delete
One button removes your account, your entries and the memory Hera built. No hidden copies.
Stories
What changes isn't the app. It's the calm.
“I spent three years trying to save with a spreadsheet. Hera messaged me on a Sunday and told me exactly what was going on.”
First LastFreelancer · Miami
“I invoice in three different currencies. It's the first time I actually understand what I make in a month.”
First LastDesigner · Austin
“I dictate expenses while walking. Two weeks in, that feeling of not knowing where the money went was gone.”
First LastFounder · Chicago
Placeholder testimonials. These will be replaced with real reviews before launch.
FAQ
What people usually ask us.
If yours is missing, write to us — actual people answer.
Do I have to connect my bank?
No. You log entries by speaking or typing and Hera works out the rest. It works exactly the same if you deal in cash, which is why there's no bank login to set up.
Can I log expenses by voice or with a photo?
Both. Dictate the entry and Hera understands it, or photograph the receipt and the AI reads the amount, the description and the category. Then it shows you what it understood so you can confirm.
What does Hera remember about me?
Your goals, your spending habits and the decisions you already made. That memory lives in readable text files you can review, export or delete at any time.
Can I correct it when it gets something wrong?
Always. Hera confirms before saving an entry, and you can edit any detail afterwards. When you correct it, it learns from the correction.
Is it free?
You can start free, with no credit card and no ads. If a paid plan arrives later, it will be for extra features — never to get your own data back.
Does it work on a bad connection?
Logging and reviewing your information needs very little bandwidth. The AI answers do need a connection, and they're saved for the next time you open the app.
Your goals start with better control.
Tell Hera what you want to achieve. She remembers it for you.
No credit card No ads Privacy first