Havnest Money

Household budget & forecast

Free

Your whole household's budgets, planned bills, forecasts, net worth, and much more, on your iPhone, iPad and Mac - encrypted on your device. Free during early access. Havnest Money is a household finance app that keeps the whole family on the same page — your income, your expenses, your budgets and your future, in one clear picture. BUDGETS THAT MAKE SENSE Set a target per category and per period. Subcategories roll up automatically, spending is tracked against your budget pro-rata for how far through the month you are, and the Budget Wizard sets up your typical monthly income, bills and everyday spending in minutes. PLAN AHEAD, DON'T JUST LOOK BACK Schedule future income and expenses, including recurring ones. Your balance forecast knows about upcoming bills before they arrive, and you can drill into any point on the charts to see exactly which transactions drive the changes. A HOME SCREEN THAT ANSWERS YOUR QUESTIONS Did we keep this month's budget? What's landing soon? How are our projects going? Your customizable Home screen shows it before you tap anything. ANALYTICS SCREENS WITH DETAILED BREAKDOWN Net worth, income and expenses, cash flow, forecasted balance, liabilities, budgets versus actuals, and every recurring subscription — each one a tap away, with the option to drill down into the details as deep as you like. PROJECTS Tag transactions with a project — a renovation, a wedding, a holiday — and a live tracker shows the budget, what's spent and what's left. RETIREMENT / F.I.R.E. PLANNER Model your long-term savings against your own return, inflation (by country) and pension assumptions, and see the monthly contribution needed alongside your existing savings to stay on track. FOR THE WHOLE HOUSEHOLD Invite the other members of your household, and choose which accounts each person can see. You can even set up simple child profiles for kids to track their pocket money and wish list (sign-in for children is available on iPhone and iPad only). PRIVATE BY DESIGN The financially meaningful parts of your data (amounts, notes, and account, category and payee names) are encrypted on your device before they are synced, using a Recovery Key that only your household holds. Even we, at Havnest Money, can't read them. No ads, no trackers, no selling of data. You can download a copy of your data or permanently delete your household from inside the app at any time. IMPORT AND CONNECT Import your history from CSV files (e.g. bank account statements), and optionally connect the Foliopal investment tracker app to bring your live portfolio values into your household's net worth. Free during early access. Havnest Money is built by an independent developer — questions and feedback are always welcome at support@havnestmoney.com.

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A big round of improvements since launch, based on how households are actually using Havnest Money. NEW - Sync screen (Settings > Data > Sync): see whether you are up to date, when the last sync happened and whether anything is waiting to upload. It also holds Sync now, Verify data sync and Force full re-sync, and replaces the old Advanced settings. - The Records “Transactions” tab is now called “List”, and the date ranges have two new presets: Year to date and Rest of year. - Analytics now lists its seven screens in a clearer order, and on iPad in landscape the chosen screen fills the width with a slide-over menu. - Income & Expenses, By year: with Planned items included, the chart now continues through the last year that has data. - Smarter CSV import: duplicates are matched by reference ID first, then by amount within a date window. The preview explains each match, an “Importing into” bar shows the target account, and every account in edit mode has its own import button. - Tag names now show on transaction rows, and partner names can be edited. - Help screens explain why Cash flow and Forecasted balance can differ from Income & Expenses. SAFER - Restore now saves an automatic safety backup of your current data first, and asks for your account password before it replaces anything. - Sign out asks for confirmation. - Foliopal: the hourly refresh now works from any signed-in adult device, accounts mirror Foliopal exactly, and a short hiccup no longer breaks the connection. - Several sync fixes, including deletes that could be lost and changes made on another device while a sync was running. - On-device backups keep the 20 most recent copies. SMOOTHER - Noticeably faster account balances, Home cards and long account lists. - On iPad, windows narrower than a landscape screen now use the phone layout, so every button stays reachable. - Running balances stay correct while a filter or search is active, negative balances stay readable on a selected account, and transactions dated later today now appear on Home. - The sign-up screen reminds you to check your spam folder for the confirmation email. - Many small layout and wording fixes. Thank you for the feedback, keep it coming at the support link.

The developer, PETER GULYAS, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
PETER GULYAS
Size
21.2 MB
Category
Finance
Compatibility
Requires iOS 17.6 or later.
  • iPhone
    Requires iOS 17.6 or later.
  • iPad
    Requires iPadOS 17.6 or later.
  • Mac
    Requires macOS 14.0 or later.
Languages
English
Age Rating
4+
Copyright
© 2026 Péter Gulyás