Truv vs Harmonized
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Truv
Securely verify your income and employment with this financial tool. It simplifies connecting to payroll providers for direct deposit switching and retrieving underwriting data. Manage financial operations with ease on a user-friendly platform.
- Income verification
- Employment verification
- Direct Deposit Switch
- Connect to payroll providers
- Retrieve underwriting data
- Resolve disputes
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Presenting Truv, your personal companion for safe and secure income and employment verification. This is your ultimate tool for swiftly and accurately connecting with your payroll provider to execute Direct Deposit Switch as well. Truv simplifies your life by consolidating these essential financial operations into one convenient and user-friendly platform. Income and Employment Verification Are you tired of cumbersome paperwork and manual income verification processes? Truv employs cutting-edge technology to seamlessly verify your income and employment details, making your financial operations smoother than ever. Say goodbye to the hassle of traditional income verification processes and embrace the future with Truv. In addition, with Truv, you can create account, retrieve data that was used to underwrite your loan and resolve any disputes. Direct Deposit Switch With Truv, switching your Direct Deposit from one bank to another becomes a breeze. Connect directly with your payroll provider in a few easy steps, ensuring that your hard-earned income lands where you want it to. Truv ensures that this process is secure, fast, and stress-free.
Harmonized
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A trading journal that lives on your phone. Free, with no ads. Most trading journals want you at a desk after the close. This one is in your hand the moment you place the trade — the only reason anyone keeps journaling past week three. Link your Schwab account and pull your trades in with one tap. Import a CSV from your broker, or add a trade by hand in about ten seconds. Prices update every 15 seconds while the market is open. DAILY JOURNAL - Rate each day on how you traded, not how much you made - A plan before the open, quick notes during the day, a review after the close - Tag days like "followed plan" or "FOMO" - Every day you wrote about in one searchable Notes list - Ask AI chat what you wrote on your red days, next to that day's P&L WHAT YOU GET - Ask questions about your history in plain English — "how do my Monday trades compare?" - Patterns and observations from your own data. Never signals, never picks, never advice - Tags, notes, categories and strategies on any trade REPORTS - Period P&L by day, week, month, or year - Win Rate & Expectancy, including scratches - Holding Period — results by how long you hold - Service Cost & ROI — is each advisory earning its keep? - P&L Calendar — a heatmap of every winning and losing day GETTING YOUR TRADES IN - Schwab: link once, then pull your trades in by date range. More brokerages in progress - Fidelity: import your export file (Fidelity offers no sync API) EDUCATION MODE - Practice with a virtual balance on live market data, at zero risk - An education AI that explains terms and concepts — not trades - A separate practice journal, to build the habit before real money - Virtual and live accounts stay separate Simulated results do not reflect real market conditions, liquidity, or slippage. PRIVACY Your trade data powers your own analysis and nothing else. AI features are optional. On the free plan, nothing touches your brokerage unless you ask it to. Auto Sync is off until you turn it on, and you can turn it off — or revoke our access at Schwab — any time. Your Schwab connection is stored encrypted, and we never see or store your Schwab password. WHO IT'S FOR Options traders whose multi-leg positions other journals don't record properly. Day and swing traders who keep making the same mistake and can't name it. PLANS Free — Link Schwab and pull your trades in whenever you want. 6 months of history, including Reports. 1 account, 15 AI questions a day. No ads, no trial clock. Basic, $4.99/month — Auto Sync checks Schwab once a day, after the close. Your full trade history. The web app on your computer: bulk-classify trades, full trade tables, full-size charts, CSV import and export. Up to 5 accounts, 50 AI questions a day. Pro, $11.99/month, with a 7-day free trial for new subscribers — Auto Sync checks Schwab all through the trading day. Everything in Basic, plus OpenAI's GPT-4o mini reading your journal, with exact P&L math underneath. Up to 20 accounts, 200 AI questions a day. Schwab asks you to re-authorize every seven days — we'll remind you before it lapses. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period. A free trial converts to paid unless cancelled at least 24 hours before it ends. You can manage your subscription and turn off auto-renewal in your Apple ID account settings after purchase. Terms of Use: https://www.harmonizedtrades.com/terms.html Privacy Policy: https://www.harmonizedtrades.com/privacy.html Harmonized Trades is a trade-journaling and analytics tool. It does not provide investment advice, recommendations, or signals. All analysis is informational and educational only. Trading involves substantial risk and you are responsible for your own decisions. Requires an internet connection; some features require a supported brokerage account.
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Verdict
The clearest difference is in-app purchases: Truv at none against Harmonized's 3. Harmonized's advantage is update cadence (every 4 days vs every 3 months). On price, ads, device support and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Harmonized sells 3 in-app purchases, starting at $4.99 per month. Truv asks for nothing beyond the download.
Truv ships an update every 3 months, Harmonized every 4 days. The most recent releases landed on October 18, 2026 and October 13, 2026 respectively.
| Parameter | Truv | Harmonized |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (9 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 9 — better | — |
| Update frequency | Every 3 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 9 MB | 29 MB |
| Age rating | 17+ | 12+ |
| Developer | Truv, Inc. | Harmonized Software |
In-app purchases
Truv
No in-app purchases
Harmonized
- Basic Plan - Monthly$4.991 Month
- Pro Plan - Monthly$11.991 Month
- Remove Ads - Lifetime$9.99









