Built for European banking
Not a budgeting app. A financial health dashboard that tells you what to fix next — and why it matters. Five minutes a month, not five minutes a day.
From €3.99/month · No credit card required
The problem
Your finances haven’t changed — you just added a chore. The problem isn’t willpower. It’s that daily tracking is a second job nobody signed up for.
Sound familiar?
How it works
Financial health isn’t built all at once. Each stage is a prerequisite for the next. The app tells you which to focus on now — and what to ignore until you’re ready.
Generate a surplus. Understand where your money goes and build positive monthly flow. This is the foundation everything else depends on.
Savings Rate
22%
Build a buffer. Once cash flow is positive, accumulate reserves that protect against setbacks. Your safety net before you grow.
Emergency Fund
4.2 months
Compound the surplus. With cash flow and liquidity handled, deploy capital toward long-term independence.
Investment Ratio
18%
Features
Savings rate. Emergency fund coverage. Investment ratio. These three metrics tell you more about your financial health than a hundred transaction categories.
Open the app once a month. Scan your vitals. Know what to focus on. Then close it and live your life. Your finances aren’t a daily crisis.
Built on PSD2 open banking from day one. Not a US app with European connections bolted on. EUR‑denominated. GDPR‑native.
Green, amber, red. Each metric has a health status so you see what’s working and what needs attention — without anxiety-inducing spreadsheets.
We don’t ask you to categorize every coffee. Bank transactions are auto-linked. You adjust what matters and ignore the noise.
No tiers. No upsells. No feature gates. Every subscriber gets everything. One price, full access.
Pricing
One plan. Every feature. No tiers, no upsells, no surprises. Start with a free month to see if it fits.
Monthly
Cancel anytime. No commitment.
Annual
€3.33/month, billed annually.
No hidden fees. No feature gates. What you see is what you get.
What you get
Budgeting apps help you control spending. Wealth trackers show your portfolio. HeraldHQ connects the full picture — from cash flow to wealth.
Cash Flow → Liquidity → Wealth. Each stage unlocks the next. The app tells you where to focus now.
Designed for a once-a-month check-in. No daily logging, no transaction-level categorization.
Built on PSD2 open banking from day one. Not a US app with European connections bolted on.
Track investments, assets, and debts. See your net worth grow alongside your cash flow health.
Know your surplus. Track income vs. essential expenses and see whether your savings rate is healthy.
See how many months of expenses your buffer covers. Know when you're protected — and when you're not.
Green, amber, red per metric. See what's working and what needs attention at a glance.
Ask Herald about your finances. Get insights grounded in your actual data, not generic advice.
One plan, full access. No tiers, no upsells, no features locked behind a higher price.
One month free. No credit card. See your financial health in five minutes.
Start free trial