Built for European banking

Your financial health, in the right order.

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.

Request access See how it works

Closed beta · Pricing not yet decided

Sample data

Overview

Quick health scan of your finances.

May

Monthly Savings

Healthy
€1,240

3-mo avg

+€85

vs 6-mo avg

Savings Rate (3-mo avg)

+2pp 24%

Saving for Goals

+€30 €480

Emergency Fund

Healthy
€18,400 / €15,500

Current

+€620

vs previous month

Living Expenses (3-mo avg)

+€40 €2,580

Target (6 mo)

€15,500

Net Worth Growth

Healthy
€2,140

3-mo avg

+€180

vs 6-mo avg

Net Worth

+€2,360 €112,400

Investment Ratio

+0.6pp 38%

AI Overview

Optional
May 11

Overall health. You're in a strong position across all three domains. Cash flow is healthy with a 24% savings rate, your emergency fund covers 7+ months of expenses, and net worth grew €2,360 last month.

What's going well. Savings have been consistent for three months running. The wedding goal is on pace without straining your buffer.

Next step. No urgent action. Your expense average ticked up slightly — spend two minutes on Cash Flow confirming any one-off purchases are categorized correctly.

What you actually see when you open the app. Three numbers, secondary detail, and an optional AI summary you can regenerate or turn off.

The problem

You already know how this goes.

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.

  1. 1 Download a finance app.
  2. 2 Categorize transactions for a week.
  3. 3 Miss a day.
  4. 4 Miss a week.
  5. 5 Feel guilty.
  6. 6 Delete the app.

Sound familiar?

How it works

Three domains. One sequence.

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.

01

Cash Flow

Generate a surplus. Understand where your money goes and build positive monthly flow. This is the foundation everything else depends on.

Monthly Savings

€1,240

02

Liquidity

Build a buffer. Once cash flow is positive, accumulate reserves that protect against setbacks. Your safety net before you grow.

Emergency Fund

7 months

03

Wealth

Compound the surplus. With cash flow and liquidity handled, deploy capital toward long-term independence.

Net Worth Growth

€2,140/mo

Features

Know the three numbers that matter — not every transaction.

Three numbers that matter

Monthly savings. Emergency fund coverage. Net worth growth. These three tell you more about your financial health than a hundred transaction categories.

Monthly, not daily

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.

European from day one

Built on PSD2 open banking from day one. Not a US app with European connections bolted on. GDPR‑native, EU‑hosted.

Health indicators, not guilt

Green, amber, red. Each metric has a health status so you see what’s working and what needs attention — without anxiety-inducing spreadsheets.

Strategic, not granular

We don’t ask you to categorize every coffee. Bank transactions are auto-linked. You adjust what matters and ignore the noise.

One product, every feature

No tiers, no upsells, no feature gates. Every user gets every feature — today during the beta, and whenever pricing lands later.

AI — optional

An assistant that knows your numbers — only if you want it to.

Two ways to use AI inside HeraldHQ: a generated overview of your financial health, and a chat assistant that answers questions about the app or your finances. Both are off by default. Both are independently controllable.

AI Overview

A monthly read on where you stand.

Overall health. All three domains are healthy. Cash flow up 2pp, emergency fund growing, net worth +€2,360 last month.

Watch this. Living expenses ticked up — check Cash Flow for any uncategorized one-off purchases.

Next step. No urgent action. Continue what you're doing.

Auto-generated · regenerate any time

A short narrative summary of your data, refreshed when you ask. Reads more like a friend with a spreadsheet than a dashboard widget.

AI Chat

Ask anything — about the app or your finances.

What does my savings rate mean?
It's the share of your take-home income left over after recurring expenses. 20%+ is commonly considered strong — you're sitting at 24%.
Why did my emergency fund drop?
You allocated €1,810 to your wedding goal this month — that's earmarked, so the safety net shrinks even though your accounts didn't.

Ask the assistant how a metric works, what changed, or what to focus on. Or use it without sharing data — product questions only, no numbers involved.

Your data, your call — twice.

Two independent toggles. Both default to off.

AI is opt-in

Turn it off and nothing changes about the rest of the app. The three numbers, the dashboards, the bank linking — all work without AI ever touching your data.

Sharing your data is a separate opt-in

Even with AI enabled, your financial data stays private by default. The assistant can answer feature questions and explain concepts without ever seeing your numbers.

Switch it off anytime

Disable AI or revoke data sharing in Settings — instantly. We don't keep what you didn't agree to share.

How we compare

Built for a different question.

Budgeting apps ask where your money went. Wealth trackers ask how your portfolio performed. HeraldHQ asks are you on track — and what to fix next.

What it tracks

HeraldHQ
Three rolling metrics — savings rate, emergency fund, investment ratio
Budgeting apps
Spending by category, per-envelope budgets
Wealth trackers
Portfolio positions, asset allocation
Spreadsheets
Whatever you build — every cell is yours

Cadence

HeraldHQ
Monthly check-in, ~5 minutes
Budgeting apps
Daily — every transaction categorized
Wealth trackers
When markets move, or quarterly
Spreadsheets
Whenever you remember (so: rarely)

Granularity

HeraldHQ
Coarse on purpose — recurring vs one-off only
Budgeting apps
Per-transaction, per-category
Wealth trackers
Per-position
Spreadsheets
As fine as your patience

What it tells you

HeraldHQ
What to fix next, in the right order
Budgeting apps
Where you spent — interpretation is on you
Wealth trackers
How investments performed
Spreadsheets
Whatever your formulas compute

Learning curve

HeraldHQ
One sitting
Budgeting apps
Weeks of categorization to stabilize
Wealth trackers
Modest — once accounts are linked
Spreadsheets
Hours to set up, ongoing to maintain

Built for Europe

HeraldHQ
PSD2 open banking, GDPR-native, EUR-first
Budgeting apps
Mostly US-first, partial EU coverage
Wealth trackers
Varies — global tracking, EU banking gaps
Spreadsheets
N/A

Use a budgeting app if you need per-category control. Use a wealth tracker if you only care about your portfolio. Use HeraldHQ if you want to know whether the whole picture is healthy.

Trust & data

Your bank account isn't something to hand over lightly.

Personal finance only works when you trust the tool with sensitive data. Here's exactly what HeraldHQ does — and what it can't.

Read-only bank access

Linked via PSD2 open banking. HeraldHQ can see your transactions and balances — it cannot move money, change settings, or initiate payments.

No credentials stored

Your bank username and password never touch our servers. Authentication happens on your bank's own site through a regulated open-banking provider.

GDPR-native, EU-hosted

Data lives on EU-based infrastructure. You can export everything you've put in, and delete it all with one click — anytime, without asking.

Cancel and walk away

Cancel any time, no questions. After the beta ends you'll keep read-only access to your data even without paying — your history is yours.

Access

Currently in closed beta.

We'd rather get this right with a small group of early users than rush a price tag onto a product still finding its shape.

Closed beta

Access is invite-only right now while we shape the product with early users.

Pricing — not decided yet

We haven't set a price. When we do, beta users will see it first and pay nothing during the beta itself.

What you get during the beta

Every feature, no tiers, no upsells. Real bank linking, real metrics, real AI assistant.

Request access

One email. We'll get back to you with an invite when there's a spot.

FAQ

Honest answers to the real questions.

Why doesn't HeraldHQ have per-category budgets?
By design. Detailed budgeting works for people who enjoy the daily tracking — most of us don't. HeraldHQ focuses on three rolling metrics (savings rate, emergency fund coverage, investment ratio) and tells you which to fix next. If you want envelope-style control over every category, HeraldHQ isn't your tool — and that's fine.

How safe is linking my bank?
You log in through your bank's own page via a regulated PSD2 open-banking provider. HeraldHQ never sees your credentials and has read-only access — it can see transactions and balances, but cannot move money, change settings, or initiate payments. You can revoke access from your bank or from HeraldHQ at any time.

What if my bank isn't supported by open banking?
You can still use HeraldHQ — create manual accounts and enter your monthly income and expenses yourself. All the same metrics work; you just type the numbers in instead of importing them.

Why did adding a savings goal reduce my emergency fund?
Goals are committed allocations from your liquid buffer. When you earmark money for a vacation or down payment, that money is no longer available as a safety net — even though it's still in your account. The emergency-fund formula subtracts goal allocations from liquid assets on purpose.

Do I have to use the AI? Does it see my data?
No on both. AI is opt-in — turn it off and the app works the same without it. Even when AI is on, sharing your financial data is a separate opt-in: you can use the assistant just to ask product questions or explain concepts, with zero access to your numbers. Both toggles live in Settings and you can flip either one back at any time.

How does the beta work? When does it cost money?
Right now it doesn't. The beta is invite-only and free. We haven't decided on pricing yet — when we do, beta users will be told first and won't be auto-charged. You'll always opt in explicitly before paying anything.

Can I export my data and leave?
Yes. Your data is yours. You can export everything you've put in and delete the account at any time. After the beta ends, even without a subscription, you keep read-only access to your historical data.

Different question? Email us  — we read everything.

Ready to see your finances clearly?

HeraldHQ is in closed beta. Send a quick email and we'll get you an invite when there's a spot.

Request access

No credit card. No price tag yet.