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Havnest Money
Full-suite household finance powerhouse
Havnest Money is a household finance powerhouse — a single source of truth for your household, serving as a home for your income, your expenses, your budgets, and your plans for the future. It's built for more than one person: everyone in your household can see the same real picture from their own iPhone, iPad or Mac - with access controls, and 256 bit end-to-end data encryption built into the app's core. Aimed at households who take their finances seriously.
I'm the solo founder behind Havnest Money. For 15 years I ran our household finances in a giant Excel file I built myself — it did exactly what I needed, but only lived on my laptop. I tried dozens of budgeting apps over the years. Some of them were really good apps, but none of them handled a household the way I imagined it should: natively handling several household members with shared and personal expenses, while constantly planning for what's ahead, not just tracking what already happened.
After 21 years working in data analysis and corporate finance, I decided to stop adapting my life to other people's apps and decided to just build the thing myself.
Havnest Money is primarily a native Apple app (coming simultaneously for iOS, iPadOS, and MacOS) but with a potential universal web version coming later. It is built around some key concepts that most finance apps skip or don't implement fully: every transaction can belong to a person or the household, budgets are completely flexible, and a massive forecasting engine shows your actual future balance — not just a spending pie chart. All analytics allow you to drill down to any level of details you want, but can keep things super simple too.
Also featuring a highly detailed retirement scenario planner, a dedicated "Child mode" (motivating kids to be financially responsible from an early age), and tag-based Projects tracking (e.g. weddings, house renovations, etc.).
All financial data are encrypted on device (256 bit encryption), and never leave your device in a readable form. Even we at Havnest Money have absolutely no way to read your financial data.
I'd genuinely love to hear what a "household finance app done right" would need to have for you, and what your initial thoughts are on Havnest Money. Following along here, and happy to answer anything.
About Havnest Money on Product Hunt
“Full-suite household finance powerhouse”
Havnest Money was submitted on Product Hunt and earned 2 upvotes and 1 comments, placing #148 on the daily leaderboard. Havnest Money is a household finance powerhouse — a single source of truth for your household, serving as a home for your income, your expenses, your budgets, and your plans for the future. It's built for more than one person: everyone in your household can see the same real picture from their own iPhone, iPad or Mac - with access controls, and 256 bit end-to-end data encryption built into the app's core. Aimed at households who take their finances seriously.
On the analytics side, Havnest Money competes within Personal Finance, Budgeting and Family — topics that collectively have 4.9k followers on Product Hunt. The dashboard above tracks how Havnest Money performed against the three products that launched closest to it on the same day.
Who hunted Havnest Money?
Havnest Money was hunted by Peter Gulyas. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Havnest Money including community comment highlights and product details, visit the product overview.
Peter Gulyas
Hey everyone 👋
I'm the solo founder behind Havnest Money. For 15 years I ran our household finances in a giant Excel file I built myself — it did exactly what I needed, but only lived on my laptop. I tried dozens of budgeting apps over the years. Some of them were really good apps, but none of them handled a household the way I imagined it should: natively handling several household members with shared and personal expenses, while constantly planning for what's ahead, not just tracking what already happened.
After 21 years working in data analysis and corporate finance, I decided to stop adapting my life to other people's apps and decided to just build the thing myself.
Havnest Money is primarily a native Apple app (coming simultaneously for iOS, iPadOS, and MacOS) but with a potential universal web version coming later. It is built around some key concepts that most finance apps skip or don't implement fully: every transaction can belong to a person or the household, budgets are completely flexible, and a massive forecasting engine shows your actual future balance — not just a spending pie chart. All analytics allow you to drill down to any level of details you want, but can keep things super simple too.
Also featuring a highly detailed retirement scenario planner, a dedicated "Child mode" (motivating kids to be financially responsible from an early age), and tag-based Projects tracking (e.g. weddings, house renovations, etc.).
All financial data are encrypted on device (256 bit encryption), and never leave your device in a readable form. Even we at Havnest Money have absolutely no way to read your financial data.
I'd genuinely love to hear what a "household finance app done right" would need to have for you, and what your initial thoughts are on Havnest Money. Following along here, and happy to answer anything.