Money Talks — Private Finance

Money Talks is the finance app that stays on your phone.

Your transactions, budgets, receipts, and IOUs live in an AES-encrypted vault on your device. No ads. No analytics. No account required. Nothing calls out on its own: optional iCloud backup syncs only an encrypted blob to your own private iCloud — nobody else can read it, including us.

TRACK REAL MONEY
• Every transaction names the account it happened in — balances are derived from what actually moved
• Spend, income, transfers, refunds, and reimbursements all net correctly
• Multi-currency with a base-currency view

SPLIT & SETTLE
• Split a bill: your share is an expense, friends' shares become IOUs
• Settle up (fully or partially) and the money lands back in the account you pick
• Reminder messages and settle-up summaries ready to share

STAY AHEAD
• Safe-to-spend today, budget pace per category, projected month-end
• Financial health score that explains itself
• Subscriptions detected and price changes flagged
• Bills on the 29th–31st handled correctly in short months

CAPTURE EFFORTLESSLY
• Receipt scanning with on-device OCR
• Bank SMS import via Shortcuts
• CSV import, smart duplicate detection, review queue

PRIVATE BY ARCHITECTURE
• AES-GCM encrypted vault with recovery phrase
• Face ID lock, privacy mode, private notifications
• Encrypted widget data
• Delete everything — including your iCloud copy — with one action

FREE AND PREMIUM
• The core ledger — accounts, transactions, splits, IOUs, budgets, safe-to-spend — is free forever
• An optional Premium subscription unlocks extras like the debt payoff optimizer, monthly money story, travel budgets, and on-device AI assistant
• Privacy is never paywalled: encryption, Face ID lock, and privacy mode are free for everyone

Money Talks is an informational tool and does not provide financial advice, process payments, or hold money.

Money Talks Premium is an auto-renewable subscription, offered as a monthly or annual plan for one person or for a household…