Hearth is a family bank that never touches a real one. A parent creates a family and keeps virtual accounts for everyone in it. New people can start with Spending, Savings, and Tithing. Each account has its own balance, its own list of deposits and withdrawals, and an optional interest rate. Zero percent is allowed. Add money, take money out, or move it between accounts. Every line shows the date, the type, the amount, a note, who did it, and the balance after. Weekly or monthly allowances can split across a person's accounts. Missed weeks catch up once. Savings goals show how close each child is to the bike, camera, or dollhouse they're saving for. Three roles, set per family: • Admin: moves money, adds people, and sets rates. • Family Viewer: sees the whole family and cannot change it. • Self Viewer: sees only their own accounts. One login can belong to more than one family. Email is optional when you add someone. No email means no login. Family members sign in with a password or a 6-digit email code. Interest, when you turn it on, is the annual rate divided by 12, applied on the 1st of each month to the previous month-end balance, rounded to the nearest cent. Hearth does not connect to a bank and does not move real money. There are no ads and no in-app purchases. You can delete your account any time from the You tab.
Finance · iPhone, iPad · Free
