See what’s truly yours to spend.
Most budgeting apps feel like a scolding. Hoard doesn’t. A calm little dragon keeps your bills, your dreams, and one honest number for what’s left.
Spare Stash
One honest number
Your real cash, minus every open promise: bills still due, dreams being fed, pouch money set aside. What remains is the Spare Stash, truly yours. Days of Gold tells you how long it lasts at your pace.
Dreams
Start with what you're saving for
A trip, a rainy day, something you love. Each dream is a small hoard the dragon guards, and every coin you stash grows it a scale at a time.
Tributes
Bills honored, never owed
Rent, subscriptions, family. Each tribute is a commitment you honor, marked paid when the money actually leaves your bank. The month settles itself; if a pouch runs over, you patch it and move on. No lectures.
One tap
Log a spend in a second
From the home screen widget or a single tap in the app: how much, which pouch, done. Or skip a day; your balance still keeps itself.
It guides. It never guilts.
The iPhone app is local first: your budget lives on your phone and syncs through your own iCloud. No account needed.
The dragon is ready when you are.