Personal finance · USD & KHR
Hearth keeps a household’s money in one book — accounts, budgets, planned payments, debts and bank loans, in US dollars and Khmer riel. It installs like an app and updates like the web.
Instant Bank Slip Ingest
Zero manual typing. Share payment slips from ABA Bank, Wing, or ACLEDA directly to @HearthFinanceBot. Our visual scanner reads the amount, currency, store name, and category, and queues it for one-tap approval.
Pay via KHQR or bank transfer, tap Share on the completed receipt, and send the slip image directly to @HearthFinanceBot.
Our visual model extracts the exact amount in USD cents or Khmer riel, the merchant name, date, and suggested budget category.
Tap Approve right inside Telegram to post the expense to your ledger immediately, or review pending drafts inside Hearth.
Product Tour
Take a closer look at the daily workflow on desktop and mobile.
Real-time financial visibility across all accounts. Walk back net worth over time, analyze category movers, and inspect cash-flow health with interactive spending and growth views.
Keep cash, bank deposits, credit cards, and investments side by side. Every record stores native currency values with zero silent conversion distortion.
Filter and inspect every transaction in seconds. Bring in historical bank statements via CSV import, and track cross-currency transfers as linked atomic pairs.
Open on your phone, tap Add to Home Screen, and use Hearth like a native app. Record market groceries or roadside fuel in seconds without internet lag.
What’s inside
Not a spreadsheet, not a bank app — the whole money life of a family, exact to the last riel.
Every record keeps its own currency, exact to the minor unit — no silent conversion. Totals roll up into your reference currency with banker’s rounding.
Monthly limits per category, counted live from the ledger. Choose reset or carry-over, and see what’s safe to spend today.
Rent, salary, subscriptions on a calendar. Auto-post records each one at its due date, and reminders land 7 days ahead.
Track who owes whom in both directions. Bank loans carry real amortization schedules, interest-first payments, and an interactive what-if simulator.
Start private, convert to a joint workspace with expiring invite codes. Owner, Partner, and Viewer roles enforced strictly on the server.
Forward your AEON approval emails once — every approved charge becomes a debt row automatically, ready to settle.
Import transaction batches and bank statements directly. Bring your entire financial history into Hearth without typing each receipt.
Know whether money will run short before bills arrive. Combines scheduled obligations, recurring income, and historical monthly burn rates.
Move money between USD and KHR accounts as linked transfer pairs that balance cleanly without skewing your income or expense metrics.
The app lives on your device. Open it on a flight, in a borey, in the provinces — it syncs cleanly when you’re back online.
The full interface in both languages, seven accent themes and a dark mode. Numbers stay Arabic numerals — banking-app convention.
Bring your own LLM key for conversational financial reviews, workspace briefings, and safe, permissioned record entry — strictly no deletes.
Read your books from any terminal — or plug your own AI agent (Claude Code, Cursor…) into your ledger over MCP. Approved once in Settings, revocable any time.
Power-User AI · Bring Your Own Key
No subscriptions. No token markups. Connect your own model key to query your ledger, run what-if scenarios, and command your finances with natural-language edit tools.
Log $14.50 lunch at Pho 24 with ABA USD, and what’s my dining spend this month?
Lunch at Pho 24 is recorded. That brings your dining total to $142.50 across 8 transactions this month — leaving $57.50 in your $200 monthly dining budget.
Connect directly to your AI provider account. You pay only the wholesale API cost per token directly to the provider — Hearth adds zero fees or monthly subscriptions.
Command your ledger with simple sentences. The assistant can record transactions, balance currency transfers, set category budgets, and schedule recurring bills.
Safety is built into the tool boundaries: the assistant has strict creation and editing tools, but zero delete tools. It can never erase your history or tamper with accounts.
Your financial snapshot is cleaned directly in your browser before sending. Names, emails, and account numbers are stripped so no identity details leave your device.
Terminals & AI agents
Install the hearth CLI, approve it once in Settings, and read your books from any terminal — or plug your own AI agent into your ledger over MCP. The terminal reads; the app and your approved agent record. No deletes, ever.
$ hearth login
Approve this device in Hearth: K7QM-2345
Signed in as sokha@example.com
$ hearth summary --months 3
September in $1,450.00 out $1,180.50 net +$269.50
top: groceries $320.00 · rent $350.00 · transport $84.00
$ hearth ask "how much did we spend on food this month?"
Food & dining is at $412.80 this month — 69% of your $600 budget…
$
npm i -g @hearthfinance/cli — or run it once with npx. Any terminal, any OS, Node 20+.
Run hearth login, then enter the 8-character code in the app: Settings → CLI & API → Approve a device. Revoke the token any time.
hearth accounts, budgets, planned, loans, summary — and hearth ask "…" streams answers from the same AI key you configured in Settings. The CLI never sees that key.
claude mcp add hearth -- hearth mcp gives your own agent read tools plus add-only recording: transactions, transfers, budgets, planned items. It can never edit or delete.
Accounts, budgets, planned payments, debts, bank loans and monthly flow — the exact same numbers the app computes, from the exact same domain code.
A device token rides your account: members see only their own workspaces, Viewers stay read-only, and every write passes the server-side gates. Remove the token in Settings to cut access instantly.
Through MCP your own AI adds records safely — append-only, amounts exact to the minor unit, no delete tools exist. You confirm what it records, and you can see every row it added.
Requires Node.js 20+ and a Hearth account. The AI key lives in the app (Settings → AI assistant) — the CLI never stores it.
Why a PWA
Hearth is a Progressive Web App — it installs from this website and runs like a native app, without a company store in the middle.
No review queues, no waiting days for a bug fix. Reload once and you’re on the latest version — the app updates itself.
App stores take up to 30% of revenue. Hearth pays none, so there’s nothing to pass on to you.
A few megabytes, not a hundred. Your phone keeps its storage.
The same app on iPhone, Android, Windows and Mac — installed straight from this website, no account walls.
Home-screen icon, full screen, push notifications, offline. It’s an app in every way that matters.
Open Hearth any time from your home screen — it starts full-screen, works offline, and updates itself silently.
How to installInstall
No store, no download page, no waiting. Pick your device:
Open Hearth any time from your home screen — it starts full-screen, works offline, and updates itself silently.
FAQ
A personal-finance app for one person or a whole household: accounts, budgets, planned payments, personal debts and bank loans — in US dollars and Khmer riel, with an English and Khmer interface.
Yes — Hearth is free to use.
It doesn’t need to be. Hearth is a Progressive Web App: you install it from this website in a few taps, it gets updates the second we ship them (no store review delays), and no store fee sits between us and a free app. See the install steps above.
Yes. The app and everything you’ve opened live on your device — record things on a flight or in a dead zone, and it syncs when you’re back online.
Natively. Every record is stored in its own currency (USD cents or whole riel), conversions use banker’s rounding at one clear point, and the interface is fully translated into Khmer.
Yes. Workspaces start private; an owner can convert one to a joint workspace and invite family with an expiring code. Roles are enforced on the server: Partners can record, Viewers can only look.
Your ledger is yours: stored in your own account, never sold, no ads. See the privacy policy linked in the footer.
Yes. The hearth CLI reads your books from any terminal (hearth summary, hearth ask …) and doubles as an MCP server, so your own AI agent can record entries with your approval. Generate a token under Settings → CLI & API and remove it any time to cut access.