01 · Context
Elixir learns what works for you.
Your income, your bills, the way you actually spend and the things you are saving for. That picture is what every suggestion is built from.
Income, bills, goals and weekly habits, kept current.
Elixir · Money habits
Money habits that last
when life gets messy.
Elixir adapts your spending plan and money habits around what matters to you and the week you're actually having.
Discover my Money Style
12 quick choices. No account needed.
Already ready to start?
14 days free · $9.99/mo · Founding Member $49.99/year locked in vs regular $89.99
From early testers
From early testers: How useful is Harmony Score? “Harmony score is perfect.” What’s the hard part? “Managing money takes too long.” Would this motivate better habits? “Yes, more than tools I’ve used before.” What is the main problem with managing finances? “I usually give up after two months.”
For people who start budgeting, give up, and want a tool that keeps the habit going.
How it compounds
$5less oncoffee a day
Now
1 mo
2 mo
Goal
Locked
Stick with the habit0/7 days
The App
How Elixir works day to day.
Your income, bills, and spending become a plan you approve. Elixir suggests the next small step; you decide.
The budgeting tools you expect, plus a Harmony Score for the week you actually had. Credits can take something off a later renewal.
- Connect accountsUS banks via Plaid, or add them by hand.
- Categorize spendingConfirm the few Elixir isn’t sure about.
- BudgetsMonthly limits you approve once.
- Subscriptions & recurringBills and renewals in one place.
- Goals & debtsSave toward something; track what you owe.
- HabitsTracked daily, rewarded when they stick.
- ReportsIncome, spending, and cash flow.
- Elixir AIAsk about your own transactions.
02 · Spending
Your spending, already organized.
Elixir sorts what it recognizes and brings you the few it is unsure about. A couple of taps keeps the picture accurate and your streak alive.
Three suggestions accepted. 7 day streak. Harmony 68 to 73. $2 in Harmony Credits.
03 · Plan
A plan built around you.
Your income, bills and habits become limits that fit the month ahead. Approve it once and Elixir keeps track from there.
Plan approved once. Dining $214 of $280, on track. Harmony 73 to 77.
04 · Challenge
Small actions, chosen for you.
Elixir notices dining is running high this week, ties it to the trip you are saving for, and keeps the ask small enough to finish.
Three dinners at home. $67 toward Japan. Harmony 77 to 82. $3 in Harmony Credits.
05 · Harmony
Your money, moving with your life.
Every approval this week moved the same number. Harmony Score keeps up as your life changes.
Harmony 82. 7 day streak. $67 toward Japan. $5 in Harmony Credits.
Your plan should start with what matters to you.
Discover your Money Style and see what you want money to make possible.
12 quick choices. See what drives your money decisions.
Find my Money StyleHarmony Score
Your financial health,
in one number.
Harmony Score is 0 to 100. It shows how this month is going against the plan you set. Elixir suggests a small next step and you approve it. Harmony Credits are optional and can take something off a later renewal.
Example month-end score
0/100
In harmony+14 this month
What the number means
- 0–49Finding your footing
- 50–69Getting steady
- 70–79On track
- 80–100In harmony
What moves your score
Elixir chooses what to work on this week and keeps the ask small. You approve it.
Know where it goes
Confirm the handful of transactions Elixir isn’t sure about.
Spend inside your plan
Stay within the limits you approved at the start of the month.
Take the weekly action
A small challenge based on your goals and this week's spending.
Show up for two minutes
Two daily tasks keep the streak. A freeze covers a day you miss.
Ask before a big purchase
Run it by Elixir AI so the spend still fits the rest of the month.
Close the month
A short review sets your score for the month and shapes the next plan.
Win-win
Better money. A lower bill.
Your money gets easier
- Spending stays inside the plan you set.
- Goals stay on a funding schedule.
- Bills and renewals stay visible through the month.
Your subscription gets cheaper
Every month you keep it up earns Harmony Credits.
- $2A few active days
- $3Most weeks
- $4Nearly every week, score 70+
- $5A full month, score 80+
Earned every month and applied automatically at a later renewal. Up to $40 a year. Caps at $5 a month ($4.99 floor) and $40 a year ($49.99 floor).
See the price with creditsPricing
Try 14 days free.
Lock in Founding Member $49.99/year.
FOUNDING MEMBER
BEST VALUEKeep your $49.99/year price while your subscription remains active.
$49.99/year
≈ $4.17/mo
$89.99/year Regular yearly price
- Unlimited Elixir AI
- Harmony Score & personalized insights
- Full financial reports
- Goals, debts & recurring payments
Start your free trial
14 days free — full Premium, no charge today.
Then Founding Member $49.99/year.
Prices in USD. Available in the United States. Applicable taxes may apply. After the 14-day trial, monthly is $9.99, or Founding Member $49.99/year locked in while your subscription remains active (regular yearly $89.99). Auto-renew unless you cancel in the App Store or Google Play. Premium includes unlimited Elixir AI, Harmony Score & insights, full reports, goals, debts and recurring tracking. See Terms of Use for full subscription details.Privacy Policy
Will I stick with it?
Email us. We typically reply in 1–2 business days. support@elixirfinance.app
Is Elixir a budgeting app?
Yes. Elixir is a personal finance and budgeting app for the United States: connect accounts via Plaid or by hand, categorize spending, set budgets, track subscriptions and recurring bills, goals, and debts, and read reports. After a 14-day free trial, Premium is a subscription. Harmony Credits can lower a later renewal; they are optional loyalty credits, not the product.
Can Elixir track subscriptions?
Yes. Recurring charges and subscriptions show up alongside your categories and budgets, so forgotten renewals sit with the rest of your spending.
What is Harmony Score?
Harmony Score is 0 to 100, updated from how you spend, save, and review. Credit bureaus never see it. It needs categorized spending and a budget before it means much. Your score at the end of the month, together with how many days you were active, sets the Harmony Credits on your next renewal.
What are Harmony Credits?
Money off a later renewal, earned by keeping up with Elixir. Every completed month earns $2 to $5: a few active days earn $2, most weeks $3, nearly every week with a month-end score of 70 or better $4, and a full month with a score of 80 or better $5. Credits are capped at $40 in any 12 months and are applied automatically at renewal, which can bring monthly as low as $4.99 and annual as low as $49.99. They do not stack on Founding Member. Credits stay on the subscription. They cannot be withdrawn or transferred.
How does the streak work?
Finish at least two daily quests and your streak grows. Opening Harmony is the check-in; you still need one more task that day. A missed day can be forgiven with a freeze, and every 7 days of streak earns you a new freeze (up to 2 in stock). The streak is there to keep the habit going.
Is it safe? How does bank connection work?
Yes. Bank connections through Plaid are read-only. We cannot move your money and we never see your bank login. Data is encrypted in transit and stored in the United States. It is not sold. You can disconnect a bank or delete your data at any time.
How much does it cost?
14 days free with full Premium, no charge. Then $9.99/mo, or regular yearly $89.99. While Founding Member is open, yearly is $49.99 — keep that price while your subscription remains active. Harmony Credits can later take monthly to $4.99 and yearly to $49.99; they do not stack on Founding Member. Premium includes unlimited Elixir AI, Harmony Score & insights, full reports, goals, debts and recurring tracking. Cancel anytime in the app before renewal.
Which banks are supported?
Connect major US checking and savings accounts through Plaid, or add accounts and transactions by hand. Coverage is expanding over time.
Do I need to open the app every day?
No. You get three small tasks a day if you want the streak; finish two and the day counts. A freeze covers a missed day. Harmony Score is still recalculated from your accounts when you next open Harmony, even if you skipped the quests.
Is there an Android app?
Yes. Elixir is on the App Store and Google Play. Both include accounts, Harmony Score, budgets, goals and Elixir AI.
Where is Elixir available?
In the United States today. Bank connections run through Plaid’s US network. If you sign up from another country, the app will ask you to join a waitlist.
What happens when the 14-day trial ends?
Choose monthly ($9.99) or yearly (Founding Member $49.99 locked in while open, otherwise regular $89.99). Nothing is charged during the trial. If you keep the subscription, it renews automatically; cancel in the App Store or Google Play before renewal to avoid a charge. Harmony Credits do not stack on Founding Member.
Money habits that last, on iOS and Android.
14 days free. Available in the United States.
Want to start with what matters to you? Discover my Money Style