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heedwise

Personal finance, calmly

Know what needs you and how long your money lasts.

Heedwise brings your accounts, budgets, debts and projects into one place, then shows the few things to act on this week and how many months your balance will carry you.

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  • No ads, no trackers
  • We never sell your data
  • Sign-in locked to your phone
  • iPhone, Android and web

Needs you

Three things, not three hundred.

Bills coming due, budgets running hot, money people owe you. Heedwise sorts them into one short list for the week, and each one is a tap away from done.

  • Mark a bill paid right from the list
  • Nudge a budget before it runs over
  • Settle up with a friend who owes you

Plan

See next year before it happens.

Budgets, a month-by-month forecast and a payoff plan, all worked out from your real balances and recurring bills.

Runway

14months

Your balance lasts until Nov 2027 at your current pace

TodayJan 2027Apr 2027Jul 2027Nov 2027

Budgets

October, on track

Three of five categories under budget

  • Groceries$270 of $600
    $330 left
  • Eating out$552 of $600
    $48 left · 9 days to go
  • Shopping$664 of $600
    $64 over

Debt payoff

Pay it off sooner

Move the slider to see what an extra payment each month does.

Extra each month$150
$0$500

Debt-free by

May 2028

16 months sooner

$1,158 less interest

Money in and out

Period
In+$1,200 vs August
$8,000.00
Out18% more than August
$2,418.50
Left70% of income kept
$5,581.50

Net worth and people

Everything you own, owe and lent.

Accounts, loans and the money between you and friends or family, in one balance sheet that updates as you go.

Net worth

$48,210.00

+$2,140 this quarter
Assets$65,150.00Debts$16,940.00

People

Who owes who

  • AL

    Alex

    Owes you since Aug 12

    $400.00Settle up
  • SR

    Sara

    You owe for concert tickets

    $120.00Settle up
  • MY

    Maya

    Settled last week

    $0.00

Projects

Keep the books for the farm, too.

A ledger for each project: workers on day wages, work days and payments, materials and income as quantity × rate. Every worker’s balance stays current.

  • Workers
  • Work days
  • Wage payments
  • Materials
  • Income

Together, everywhere

One workspace, every screen.

  • Share a workspace

    Invite a partner or bookkeeper by email. Owners manage the workspace; members keep the books with them.

  • iPhone, Android and web

    The same numbers on every screen. Add a payment on your phone and it shows on the web a moment later.

  • Works offline

    No signal on the train? Keep adding. Changes wait on your phone and sync when you’re back online.

Your money is nobody else’s business.

We keep what you type in so the app can work. That’s it.

Read the privacy policy

  • No ads, no trackers

    No analytics, advertising or crash-reporting tools in any of the apps.

  • Never sold

    We don’t sell or rent your data, and nobody outside your workspace sees it.

  • Locked on your phone

    Sign-in lives in the iOS Keychain and Android Keystore. Signing out erases the offline copy.

  • Yours to delete

    Delete your account from the app any time, or ask us to erase your data completely.

See what needs you this week.

Add an account in a minute. Your first list is ready as soon as you do.

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