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No bank connection required

Should you buy the house?
Pay off the mortgage?
Take the job?

HelloMula answers 24 money questions using the numbers you already keep — for your whole household. No bank logins, and every assumption is yours to see and change.

Free for up to 2 people. No credit card. About ten minutes a month to keep current.

“Can we afford this house?”A safe price from your real income, debts and cash — not what a lender will approve
“Pay it off, or invest?”The guaranteed return of prepaying your actual loan, against investing the same money
“Am I underpaid?”Your percentile against BLS national wage data for your occupation (2023 figures)
“Are we on track to retire?”1,000 simulations on your real portfolio — with federal tax on every withdrawal, not a pre-tax guess

See HelloMula in 30 seconds

Your accounts and net worth, your card statement as one total, bills that record themselves, and the Decision Lab, for your whole household. About ten minutes a month.

Everything your household needs to stay financially aligned

HelloMula brings every account, transaction, and report together so your household never loses sight of the big picture.

Unified Account Tracking

Track checking, savings, credit cards, loans, and investments in one dashboard. Every account your household holds, in a single view.

Only One of You Has to Use It

One person can run the whole household — entering and managing records on behalf of anyone who grants permission. The other sees everything, part of it, or nothing, and can change their mind at any time.

Recurring Transaction Automation

Define monthly bills, subscriptions, and recurring income once. HelloMula posts them on schedule so your records stay accurate automatically.

Cashflow & Net Worth Reports

Visualize income vs. expenses over time, track net worth trends, and run projections. Know where your money is going — and where it's headed.

Goals Your Whole Household Can See

Set savings targets for the things that matter — an emergency fund, a vacation, a down payment. Log contributions and watch progress fill in, personally or as a household.

Private & Secure

Your data is encrypted in transit, and your password is never stored in a readable form — not even we can see it. There is no bank connection to breach, because we never built one. How we protect your data.

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Decision Lab

Your data-driven financial analysis toolkit

Run 24 guided financial analyses across retirement planning, debt strategy, taxes, career, housing decisions, and more — all powered entirely by your own real numbers. No generic advice. Real answers.

401(k) Analysis Roth Conversion Monte Carlo Projection Debt Payoff Strategy Buy vs. Rent Salary Benchmark Federal Tax Estimator + 16 more modules
Explore Decision Lab
HelloMula dashboard showing three analyses flagged for review: savings rate, tax planning, and financial health, each with a headline finding drawn from the household's own numbers.
HelloMula keeps your analyses current and points you at the ones worth another look. Example household; figures are illustrative.

Up and running in minutes

No complicated setup. No bank connections required. A guided Setup Guide takes you from sign-up to a live dashboard in about five minutes — then about ten minutes a month to keep it current.

1

Create your household

Sign up in seconds. Start a household and invite members with the right role for each person.

2

Add your accounts

Enter accounts manually — no bank link needed. From there you keep things current with summary entries when you pay your bills, not receipt by receipt.

3

Track, report & plan

Watch net worth grow, analyze spending, and project your financial future with reports built for real households.

HelloMula dashboard showing household net worth, this month’s budget against its limit, cash and credit card totals, a twelve-month cashflow chart of income, expenses and debt payments, and a list of upcoming transactions generated from recurring rules.
The dashboard after setup, kept current with about ten minutes a month. Example household; figures are illustrative.

Two plans. Both of them real.

The analysis you came for is free. Pay when you want the depth behind it.

Starter

$0free plan

For the question that brought you here.

  • Up to 2 household members
  • Unlimited accounts and transactions
  • Up to 5 recurring rules, posted automatically
  • Goals, cashflow, net worth and balance history
  • 10 Decision Lab analyses — mortgage payoff, house affordability, buy vs rent, debt payoff, salary benchmark, career change, college savings, emergency fund, savings rate, financial health
Get Started Free

No credit card required.

Compare All Features

Ready to get your household finances on the same page?

Join HelloMula today — free to start, no credit card required.

Create Your Free Account