Harbor Money
Budgeting without plugging in your bank.
Forward your bank's transaction emails to your private Harbor Money address. We parse them, categorize spending, and track goals — your bank login never leaves your bank.
7 days free, then $4.99/mo or $40/yr. No bank credentials required, ever.
How it's different
No Plaid. No MX. No screen-scraping.
No bank credentials
No Plaid, no MX, no third-party aggregator holding your bank login. We never ask for it.
Forward-only email parsing
Forward your bank's transaction alert emails to a private Harbor Money address. We parse them automatically.
AI-assisted categorization
Optional AI parsing assist auto-categorizes and tags spending. Toggle it off anytime and do it by hand.
Goals & recurring bills
Set savings goals, track recurring bills, and reconcile your accounts in one click.
Statement upload fallback
Missing a transaction? Upload a bank statement and we'll catch anything the email parser missed.
Works with any bank
Chase, Capital One, Amex, and any bank that emails transaction alerts — Harbor Money reads the email, not the bank.
Passkey sign-in
Sign in with Face ID or a security key. No password to leak, no password to forget.
Rotate your address anytime
Your inbound parsing address isn't permanent. Rotate it whenever you want, no questions asked.
Pricing
7 days free. Then one plan.
$4.99/mo
Billed monthly after your 7-day trial.
$40/yr
Save about 33% vs. paying monthly.
Cancel anytime from Settings before the trial ends and you're never charged.