Plan your money,
together.
Build a shared plan. Make decisions as a team — with structure, not stress.
Align on spending, saving, and the future you’re building
10-day free trial · Cancel anytime
How Heirloom Works
Four steps to financial alignment. No spreadsheets, no judgment.
Tell Your Money Story
Understand the invisible patterns from childhood shaping how you spend, save, and fight about money.
Build Your Spending Plan
Each partner builds their own plan: Needs, Future, and Yours. No shared spreadsheet. Just clarity.
The Reveal
See your partner’s money story and values for the first time. Where do you align? Where do you differ?
Stay Aligned
Monthly check-ins with a guided agenda. Shared rules. A living record of every decision together.
Money is the #1 source of relationship stress.
Not chores. Not intimacy. Not in-laws. And it is not because couples disagree about money - it is because they have never actually talked about it.
78%
of couples say they wish they had talked about money before it became a fight
Ramsey Solutions, 2023
20–40%
of divorces cite money problems as a primary factor in the split
APA Stress in America
66%
of Americans report money as a significant source of ongoing stress
Bankrate Financial Security Survey
Heirloom does not fix your finances. It fixes the conversation so you and your partner can make every financial decision as a team.
Founding Member Pricing
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Use code LEGACY30 — or just sign up and the founding rate is applied automatically.
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Not a budgeting app. A planning one.
Budgeting apps track where your money went. Heirloom helps you decide where it should go - together.
Understand, don't audit
Money Stories uncover why you and your partner handle money the way you do — childhood scripts, values, emotional triggers.
Rules you write together
Spending thresholds, always-yes categories, a no-questions-asked number, and promises. Your Household Agreement becomes a living document.
The Reveal changes everything
See your partner’s Money Story and Spending Plan for the first time, with structure around the places you match and the places you need to talk.
Alignment is ongoing
Quick check-ins and deep reviews on a cadence you choose. Every conversation is logged, every decision recorded.
Heirloom grows with your family.
Couples alignment is just the beginning. Here is what is coming next.
The 18-Year Runway
Give your kids every advantage without spoiling them. Track gifts, set milestones, teach intentional giving.
Learn more →Complex FamiliesThe Fairness Engine
Fair does not mean equal. Track lifetime support, balance giving across children, and document your reasoning.
Learn more →Wills & TrustsOutsmart State Law
Without a will, your state decides who gets your assets. Build a plan that reflects your wishes.
Learn more →Start the conversation.
Guides for the money conversations nobody teaches you to have.
Your money. Your partner. Your plan.
Founding members get 30% off for life. 10-day free trial - cancel anytime.