Built for households
Bill splitting that just works
Your partner. Your roommate. The whole family. Split rent, utilities, subscriptions — settle up via Venmo deep links. No spreadsheet.
Multi-currency native
USD, EUR, GBP, MXN — together
Per-bill currency with auto-conversion. Built for the international household. (YNAB explicitly does not support multiple currencies in one plan; verified May 2026.)
Calm, intentional
Manual entry by design
No bank surveillance. No surprise transactions. You see every bill before it hits, because awareness is the point. (Bank sync coming in 2026 as opt-in.)
Just shipped
Price-increase alerts, a debt payoff planner, and one calm safe-to-spend number.
The biggest feature wave since launch — and most of it works from the payments you already log by hand. No bank connection required.
Free
Bill price-increase alerts
Your internet bill crept up $8 last quarter — did you notice? HomeWeal compares each payment to its trailing average and flags a quiet 10%+ jump, so you can call, downgrade, or leave before it compounds.
Pro
Debt payoff planner: snowball vs. avalanche
See both strategies side by side — months to debt-free and total interest for each. Then watch exactly what an extra $50 a month buys you.
Pro
Your safe-to-spend number
One number that answers “am I okay this month?” — bills, goals, and payday accounted for, down to a per-day figure. No spreadsheet archaeology.
Free
Web push bill reminders
Bill-due and overdue nudges delivered to your phone and laptop, not just your inbox. Per-device control, opt-in only — a reminder, never a nag.
Pro
Cancel subscriptions with one link
Every vendor gets its real cancellation link, pulled from its own site — plus a ready-to-use negotiation script when you'd rather lower the bill than lose the service.
Free
Excel export that respects your numbers
Real XLSX workbooks from History and Settings — numbers stay numbers, dates stay dates. Your data, in the format your accountant actually opens.
Also rolling out gradually to Pro: AI insights and Ask HomeWeal — plain-language answers grounded in your own ledger, in beta while we earn your trust. See the honest status of every feature →
A look inside
See it in action
Real screens from the actual app — not mockups. Sample household, real product.
Know what's due before payday.
Every bill lands on a calendar and checks itself off when paid — nothing sneaks up on you again.
See who owes what.
Split rent, utilities, anything. HomeWeal does the math and settles up — no spreadsheet, no awkward texts.
Spot bill creep early.
Plain-language insights on where your money actually goes — and what you can trim.
30-day money-back · No bank-sync · Cancel anytime
Free tool · no signup
What are your subscriptions really costing you?
Add what you pay for and get an instant verdict — your true monthly, yearly, and per-day spend, plus what may be quietly wasted. No account, and your numbers never leave your device. Liked the clarity? Keep it going with a free HomeWeal account.
Example verdict
across 7 subscriptions · ~$240/yr flagged as wasted
Illustrative — the tool uses only the numbers you enter.
Time you get back
Most people lose 18 hours a year to bills.
Spreadsheet entry, app re-categorization, calendar reminders, "did you pay internet?" texts — it adds up. HomeWeal's quick-pay + recurring auto-posting cuts that to roughly 3 hours/year.
Drag the slider to see your number.
Time-saved calculator
How much of your year are bills eating?
Hours/year saved
6.0 hrs
At $25/hour your time
$150/yr
Conservative — most users earn more
Days back to your weekend
0.8 days
Versus spreadsheet-based tracking
Math: ~3 min/bill/month with spreadsheets or paper, ~30 sec/bill/month with HomeWeal quick-add + recurring auto-posting. Estimates only — actual time savings vary.
Side by side
How HomeWeal compares
We don't hide from comparisons. See where HomeWeal fits — and where the alternatives might suit you better.
Built by one person who got tired of forgetting bills
“The big-3 finance apps are designed by VC-backed teams optimizing for engagement. HomeWeal is designed by someone who just wants the cable bill paid on time.”
Common questions
Things people ask before signing up
How is this different from YNAB or Monarch?+
YNAB is zero-based budgeting (steep learning curve). Monarch is an aggregator-first dashboard with bank sync. HomeWeal is bill-tracking-first — manual entry, multi-currency, household-aware, calm. We're the right tool if you want to *know what's due and what's paid*, not redesign your money mindset.
Why no bank sync?+
Manual entry is the point — most overspending happens because you don't see the bill until it hits. Manual entry forces awareness. Bank sync ships in 2026 as an opt-in $4/mo add-on for users who want it.
Can my partner/roommate share the ledger?+
Yes — that's what the Family tier exists for. Up to 6 members, with bill splitting (proportional, custom percentages, or even split) and Venmo deep links to settle up. Per-member activity feed so nobody asks "did you pay rent?" again.
How do I know if a bill went up?+
HomeWeal's price-increase alerts watch your payment history and flag when a bill quietly creeps up 10%+ over its trailing average — internet, streaming, insurance, all of it. It works from the payments you log yourself, no bank connection needed, and it's free on every plan including Solo.
Can HomeWeal help me pay off debt faster?+
Yes — the Pro tier includes a debt payoff planner that runs snowball vs. avalanche side by side: months to debt-free and total interest for each strategy, plus what an extra monthly payment buys you. Pair it with the safe-to-spend number to know what you can actually put toward debt each month.
Does HomeWeal work without connecting my bank?+
Entirely. Manual entry is the design, not a limitation — price-increase alerts, web push reminders, debt payoff planning, and Excel export all run on the payments you log by hand. We never store financial credentials. (Opt-in bank sync arrives as an add-on for those who want it.)
Is my data safe?+
Encrypted at rest. No financial credentials stored (we don't connect to your bank). Full CSV export available anytime — even on the free Solo tier.
What happens if I cancel?+
Your data stays accessible read-only forever, and you can export it as CSV any time. No "your account is locked" tactics.
Early-bird pricing · 147 days left
Lock in $9/mo Pro or $14/mo Family — for life.
Subscribe before January 1, 2027 and keep your early-bird rate forever, as long as you stay subscribed. Standard pricing kicks in then. See full pricing →
Monarch charges $14.99/mo for bill tracking — HomeWeal adds debt payoff, household splitting, and free price-increase alerts, from $9/mo.