Honest answers.

Hafen is a personal finance tool for people who live paycheck to paycheck. It connects to your bank, builds a clear view of your next two weeks, and shows you three real things you can do when something tight is coming up.

It is not a budgeting app, not a lender, and not a credit score product.

Yes. Creating an account, connecting your bank, and using the dashboard is free. There is no premium tier hiding the part you actually need.

Click "Create your free account" anywhere on the site. Enter your name and email. You'll get an email when your account is ready, and from there you can connect your bank in about three minutes.

An email address and a U.S. bank account. That's it. We do not require a credit card, a Social Security number, or a credit pull.

Three things. It maps your next 14 days so you can see every paycheck and bill in one place. It flags when something tight is coming up. And it surfaces three real options when you need them — a hardship line, a bill you can shift, or a small advance from a partner if it makes sense.

Once you connect your bank, Hafen looks at your transaction history to spot recurring patterns. Things like "Verizon hits the 14th every month, $64" or "rent posts on the 1st, $1,200." It uses those patterns to map out the next two weeks.

Your money over the next two weeks. Every paycheck on the day it lands. Every recurring bill on the day it hits. The line between them is your buffer, and Hafen marks the days where it dips into a tight zone.

When Hafen sees a tight day coming, it generates up to three actions ranked by what helps you most. Examples include moving money from a buffer, rescheduling a bill with a provider that allows it, finding a hardship program, or — if the math really doesn't work — a small advance from a partner with the real fee shown up front.

Yes. Gig drivers, servers, freelancers, and shift workers are some of the people Hafen helps most. The 14-day map updates whenever new money lands or doesn't, so the picture is always current.

Hafen still helps. We surface hardship programs from your providers, flag eligibility for state and federal benefits like SNAP and energy assistance, and connect you to community resources in your area. We meet you where you are.

When we recommend an option that fits your situation — like a small advance from a partner or a financial product that genuinely helps — we may earn a fee from that partner. We only show options that actually help you, and the fee never comes out of your pocket without you seeing the full cost first.

We do not make money from people getting deeper in trouble. Late fees, overdrafts, and runaway debt are bad for our business model — not good for it.

No. Using the dashboard is free. If you choose to take an advance from a partner, the fee is shown up front in plain numbers — for example "$3 fee, clears Friday" — before you decide.

No. Hafen is not a bank and does not charge overdraft fees. In fact, the entire point of the product is to help you avoid overdrafts at your bank.

Yes. Hafen connects to your bank in read-only mode. That means we can see your transactions to help you plan, but we cannot move your money. You can disconnect anytime in one click.

No. Hafen is not a lender and does not extend credit. If a small advance fits your situation, we may surface one from a partner — and you decide whether to take it.

No. Hafen does not pull, check, or report to your credit. Signing up has zero effect on your credit score.

No. We don't sell your data. We don't share it with advertisers. We don't sell it to data brokers. Your information is used to give you a useful view of your money — and that's it.

Your bank password never touches Hafen. The connection runs through a trusted, bank-grade service that handles authentication. Your data is encrypted in transit and at rest. We use the same security standards major banks use.

Open your account settings and tap "Disconnect bank." Done. Hafen stops reading your transactions immediately.

Open settings and tap "Delete my account." We remove your data within 30 days. If you want it sooner, write us at hello@gethafen.com and we'll handle it within 48 hours.

Settings → Profile. Change either field, and we'll send a quick verification message to confirm.

Hafen works with most major U.S. banks and credit unions, including all of the top 50 by deposit. If your bank isn't supported yet, let us know and we'll prioritize it.

Hafen is available across the United States. Some partner advance products vary by state, but the core dashboard, the 14-day map, and the suggestions work everywhere.

You must be 18 or older to create a Hafen account.

Email hello@gethafen.com and a real person will reply, usually within one business day. If something is urgent, say so in the subject line.

Tell us. Email hello@gethafen.com with what you saw and what you expected. The product is built on real situations, and your feedback shapes what gets fixed next.

Hafen can surface hardship programs and connect you to local resources. If you're in immediate hardship — facing eviction, utility shutoff, or food insecurity — please also reach out to 211 (call or text). It's a free national service that connects you to local help, no Hafen account required.