From manual account tracking to guided retirement projections — HelloMula covers the full spectrum of household financial management without linking to any bank.
The foundation of every household's financial picture — all your accounts in one place, kept current with summary entries when you pay your bills. About ten minutes a month.
More: Recording transactions · Recurring transactions · Catch up a month · Your home and mortgage
Add checking, savings, credit cards, investment accounts, loans, mortgages, and any other account type. No connection to your bank required.
Most households work at the summary level: when a card statement arrives, log the payment and one line for the period's purchases. Prefer receipt-level detail? Full category support, cloning, search and calendar view are all there. How this works day to day.
Set up paychecks, rent, subscriptions, and any recurring bill once. HelloMula automatically posts them on schedule — no manual entry needed.
Dedicated transaction types for account transfers and debt payments ensure balances stay accurate across all linked accounts.
Link property accounts to mortgage accounts. Track equity as you pay down your mortgage and watch your net worth grow in real time.
Search transactions across all accounts by keyword, amount, category, or date range. Enter multiple transactions at once with the bulk entry tool.
Create monthly budgets by category, track spending against your plan, and get automated insights when you're heading off course. These tools read category-level data, so they're for households that enter transactions individually rather than as period summaries.
More: Budget alerts
Set spending limits for any category — groceries, dining, utilities, entertainment. See actual vs. budgeted spending at a glance.
Auto-generated warnings appear when you're approaching or over budget limits, so you can adjust before the month ends.
Roll last month's budget forward with one click instead of rebuilding category limits from scratch every month.
Set household-wide budget limits with aggregate spending tracked across all members. See the full household picture alongside your personal view.
On Household, create your own transaction categories beyond the defaults. Organize spending the way your household actually thinks about money.
A dedicated report shows the difference between what you budgeted and what you actually spent, category by category.
Give every dollar a destination. Set savings targets, log contributions, and watch progress fill in — on your own or as a household.
Create goals that are yours alone or shared with the whole household — an emergency fund, a vacation, a new car, a down payment. Everyone sees the same target.
Log contributions toward any goal and see exactly how far you've come and how much is left. Household goals show each member's contributions side by side.
Active, completed, and paused goals are organized so momentum is always visible. Finishing a goal is a shared win the whole household gets to see.
Interactive D3-powered charts that show where you've been, where you are, and where you're headed — no spreadsheets required.
More: Every report, in depth
Monthly income vs. expenses as a bar chart with YTD and projected year-end figures. See seasonal patterns and cashflow trends instantly.
Watch your net worth trend over time and see projections based on your current trajectory. One of the most motivating charts in personal finance.
See how every account balance has changed over time. Filter by account type — cash, investments, credit, or debt.
Pie and bar charts break down spending by category so you can see exactly where the most money is going each month.
Combined income, expenses, and balance views across every household member. Understand the aggregate financial picture, not just your own slice.
A chronological timeline of all financial activity across accounts — great for a quick pulse-check on what's happened recently.
A narrative recap of your month — what came in, what went out, what changed, and what stood out — written in plain English from your own numbers.
A single at-a-glance snapshot of household health — combined cashflow, balances, budgets, and goal progress — so everyone knows where things stand.
Only one of you has to use it. In most households one person handles the money — HelloMula is built for that rather than against it. One member can run everything; the other can see everything, part of it, or nothing at all, and change their mind whenever they like.
More: Seeing your household's money · Household messages
Grant another member permission to manage your records and they can enter, edit and correct on your behalf — everything, or add-only. Every grant is yours to give, revocable in one click, and every change is logged. Nobody can grant themselves access to your records.
Invite household members via email when you're ready — or don't. HelloMula works fully for a household of one, and a second seat can be added at any time.
Two roles — Primary User and General User — set the shape of the household. Write access to your own records is separate and always yours to decide: view only, add only, or full manage, per person.
Switch between your personal financial view and the full household view at any time. Track what's yours and what's shared.
On Household, mark any account as a shared household account. All members can see balances and transactions for shared accounts across both views.
A five-minute Setup Guide gets every new member to a working dashboard fast — and ends on a real analysis, not a congratulations screen. The Guides hub adds step-by-step walkthroughs — keeping HelloMula current, recurring setup, debt payoff, a reports tour, and more — plus contextual help throughout the app.
Decision Lab adds 24 guided financial analyses on top of these core features — all powered by your own data.
Explore Decision LabFree for households up to 2 members. No credit card required.
Household adds up to 5 members, all 24 analyses, shared budgets and advanced reports.