You can't really hear it at home by yourself. Just wait for your regular ultrasound scans at the local clinic, they will show you the heartbeat on the screen and it's very affordable.
My saas tried using a steel glass on my belly to hear it, which was quite funny! But we only got to hear the real thumping sound during our doctor's clinic visit.
My mother told me to just focus on the baby's movements in the later months. For the actual heartbeat, we always trusted our doctor's scan during our monthly visits.
The only reliable way to know the heartbeat is through a fetal doppler at the clinic or during an ultrasound. Don't buy those home dopplers, they just cause unnecessary panic if you can't find the spot.
Please do not try to find the heartbeat at home using online gadgets. If you ever feel any change in baby's movement or feel anxious, go straight to your gynac for a proper check.
Hearing that heartbeat for the first time on the ultrasound is the most magical feeling! Now that my little one is running around, I still cherish that first scan report.