Bank accounts, credit cards, loans, investments, net worth, taxes — and the businesses you own, if you own any. Most apps do one of those. HaraPro does all of them, in one place.
Free forever for one business · No credit card
Checking here. Cards there. The brokerage app. The mortgage servicer. The 401(k) portal. A spreadsheet you update twice a year. And if you own a business, a whole second stack.
Nobody has the full picture — including you.
Other tools tell you a $4,200 transfer left your account. HaraPro tells you it was a payment against the intercompany loan you made in March, and shows the remaining balance.
Loans, notes, SAFEs, intercompany advances — linked to the money that actually moved. We checked Monarch, Copilot, YNAB, Empower, Kubera and Intuit Lacerte before building it. None of them link an individual transaction to the instrument behind it.
Included freeMonarch, Copilot, YNAB, Empower and Kubera are good at what they do — spending, net worth, investments. We've given them full credit for all of it. The difference starts below that line.
| Monarch · Copilot · YNAB$95–$110/yr | Empower · KuberaFree – $249/yr | HaraProFree, then $19/mo | |
|---|---|---|---|
| Spending & transactions | ✓ | ✓ | ✓ |
| Net worth | ✓ | ✓ | ✓ |
| Investment tracking | ✓ | ✓ | ✓ |
| The businesses you own | — | — | ✓ |
| Bookkeeping & P&L | — | — | ✓ |
| Tax forecast & IRS forms | — | — | ✓ |
| Estate — trusts, wills, POAs | — | — | ✓ |
| Transactions linked to loans ⭐ | — | — | ✓ |
HaraPro Starter is $19/mo for the first year, then $29/mo. Competitor pricing checked August 2026. Estate planning is on Unlimited; everything else in the HaraPro column is on the free plan.
Link accounts through Plaid — 12,000+ institutions, and we never see your password. Or upload PDF statements instead. Both give you the same result. Start however you're comfortable.
Free forever · No credit card
More businesses, tax simulation and AI tax optimization start at $29 $19/mo for your first year — $189 billed annually. Estate planning — trusts, wills, powers of attorney, advance directives — is on Unlimited at $199/mo. Every paid plan has a 14-day trial of everything, no card required.
No. Most people start with personal accounts. The business side is there when you need it, and costs nothing until you do.
Those track spending well. They don't do bookkeeping, taxes, estate, or link transactions to loans. If spending is all you need, they're cheaper and you should use them. If your finances are more complicated than that, they run out of room.
Everything in the list above, permanently. AI tax simulation and estate planning are the paid parts.
AES-256 at rest, TLS 1.3 in transit, tenant-isolated. Bank connections run through Plaid — we never see your password. SOC 2 audit begins October 2026.
Export everything, any time. No lock-in.
Free forever for one business. No credit card. Connect a bank or upload statements — you'll have the full picture in minutes.