Be WellOff vs Hearth

Be WellOff: Financial Wellness Your complete financial life, finally in one place. Be WellOff is not a bank sync app. There is no aggregator, no login to your bank, and no automatic transaction pulling. Everything is entered intentionally. That is the point. Research shows that actively recording your finances builds awareness, reinforces habits, and makes you more likely to follow through on your goals. Be WellOff is built on that principle. You decide what goes in. You stay in control of what comes out. Be WellOff is built around 6 core areas of your financial life: budgeting, debt tracking, savings goals, protection planning, wealth building, and giving back. Most apps stop at transactions. Be WellOff covers the whole journey. Welly AI Your private AI assistant that runs on your phone. Point it at a statement, and insurance policy document and it reads them for you. Then ask what you want to know. What's my net worth? Can I afford a new car or a house? Welly answers, and can add expenses, log debts, and help you plan savings. Everything happens on your device. Your data trains nothing and goes nowhere. Financial Spaces Create separate Spaces for every part of your financial life. Your personal budget, your household, a side hustle, a rental property. Each Space is fully organized, fully isolated, and built for how your life actually works. Personalized Insights and Tips Every Space surfaces guidance based on your specific situation. Not generic tips. Real, contextual advice for where you actually are in your financial journey. Encrypted Cloud Sync + Offline Access Your data syncs securely across all your devices. It exists to serve you and only you. Never sold. Never shared. Works offline too. Multi-Household Sharing Up to 5 Financial Spaces per account, with up to 5 members per Space. As the account owner, you have access to all your Spaces. Collaborators can only access and manage the specific Space they were invited to, based on their permission level. Marketplace Get a first look at the Be WellOff Marketplace, a gateway to financial services including insurance, advisors, and more. You initiate every connection. Nothing is pushed to you. Live now inside the app. Try it free for your first month. $10.99/month after your free month. Cancel anytime Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.wellofflabs.ca/privacy-policy

Finally, a budget you and your partner will both actually use. Hearth is envelope budgeting built for couples: simple enough that you'll both stick with it. Create shared envelopes for groceries, bills, dining, and savings. Both partners see the same budget in real time, log expenses from either phone, and always know what's left before they spend. Type purchases in yourself, or connect your bank and just approve what comes in. WHY COUPLES CHOOSE HEARTH - NEW: Carry forward: unspent money rolls into next month instead of resetting to zero - NEW: Envelope types: Fixed for steady bills, Variable for everyday spending, Savings with a goal and a date - NEW: Check-in rhythm: see if you're on pace for the week, the fortnight, or the half month - NEW: Insights filtered to one partner, not just the household total - Bank sync (optional): transactions arrive on their own, and nothing touches your budget until you approve it - Shared envelopes built for two, always in sync - Real-time expense tracking across both phones - AI receipt scanning: snap a receipt, skip the typing - Privacy-first: bank connection is optional, read-only, and powered by Plaid - Shared payees and recurring bills - Spending heatmaps, trends, and category insights Start free with full partner sharing and unlimited transactions. Upgrade to unlock more envelopes when you're ready. Less money stress. More clarity. Budget together with Hearth. — Support: support@hearthbudget.com Privacy: hearthbudget.com/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/