First, what's actually yours
$3,300 landed this month. Rent, utilities, insurance and two savings goals had already claimed $2,149 of it, and Avery set aside $660 to live on. That leaves $491, and Hemisphere puts that number first, before the balance can fool anyone.
Decide what each part of life gets
Avery gave groceries $400, dining out $200 and coffee $60. Rent, utilities and insurance are locked to the bills, so nobody can quietly shave them. Change any number and watch what's left move.
Also: bills · balance alerts (Premium)
Subscriptions you forgot you had
Avery's streaming bundle crept from $15.49 to $17.99 and nobody announced it. Hemisphere compared it against what that charge used to cost, caught the rise, and turned up two more charges that had never been written down.
Keeping up takes seconds
None of this works if the app doesn't know what you spent. Avery types most things in on the spot. On Premium the bank sends the rest, and Hemisphere stops the two from counting the same coffee twice.
Type it, and you're done
Avery logged Thursday's groceries and a coffee before leaving the parking lot, and Hemisphere filed both. The Uber, the cinema and Netflix are still waiting. Watch it sort them, or do it yourself.
Also: tags · splitting one receipt (Premium)
Or let your bank do the typing
Avery had already typed in Thursday's coffee and groceries. Then the bank sent the same two charges. Hemisphere spotted the match and asked what to do, instead of counting them twice.
Then aim it at something
Once the number is honest, it can do more than sit there. Here is what Avery is pointing it at.
The month your debt ends
Avery owes $5,800 on a student loan at 4.3% and pays $120 a month. Hemisphere shows the month it's finally gone, and how much sooner that gets if $50 more goes in. Try it.
Also: avalanche vs snowball, run on your real debts (Premium)
Save for something real
The emergency fund is at $6,210 of $10,000, and $300 a month gets Avery there in about 13 months. Move the date and Hemisphere tells you what each month has to be.
What it costs in hours
Avery takes home about $20 an hour, so a $500 purchase is 27 hours of work once tax is on. That's a different question from whether the card will go through.
Everything else
Not everything needs a paragraph. Here's the rest of it.
Your money, your data, your call
A budgeting app shouldn’t make you hand over your bank login just to get started, and Hemisphere never does. Manual entry gets you running on day one. When you want the month to fill itself in, Premium bank sync runs through Stripe, so your bank password never reaches us on either plan.
We never hold your bank login
Start by typing in what you track, with nothing connected. Turn on bank sync with Premium and Stripe handles the login end to end, so your bank password never reaches us either way.
Your card never touches us
Payments run entirely through Stripe. We never see or store your card number. Stripe swaps it for a meaningless code the moment you type it in.
Locked to you
Your data is locked to your account in the database itself, and encrypted both on the way there and while it sits. Your password is never stored anywhere we could read it.
No ads, no data selling
We make money one way: when you choose to upgrade. Never by selling, sharing, or mining what you tell us.
Better money habits, starting now.
Free forever to begin. When you want more, try Premium free for 14 days. Cancel any time and keep everything you’ve logged.
No credit card to start · Premium free for 14 days
Free to start. Premium is free for 14 days, and you can cancel any time and keep your data.