Harmoney is a personal finance app designed to bring everyday money information together in one clear, accessible place. Users can connect checking and savings accounts, credit cards, loans, and investment accounts to see cash, debt, investments, and overall net worth in a consolidated view. The app also helps users plan how to repay debt, offering avalanche, snowball, cash-flow index, and other strategies, with an estimated debt-free date.

For day-to-day planning, Harmoney provides category-based spending views and simple monthly budget limits. Users can set savings goals and monitor changes in their net worth, while built-in calculators support payment, interest, percentage, and growth calculations, alongside a standard calculator. Harmoney says connected accounts use read-only access and AES-256 encryption, and that bank login details are not stored.

The app is offered with a free starting option. Harmoney presents its tools as a way to understand finances and organize money decisions; it notes that its information is not financial advice