MoneyTalks – Personal Finance

Your whole money picture in one app — accounts, net worth, and crypto, beside your everyday budget. No signup, no bank login. Private. Free to start.

Most budget apps are overwhelming — heavy dashboards, endless menus, a setup that feels like homework. Money Talks is the opposite. Powerful enough to run your whole money life, simple enough that you'll actually keep using it.

Now it does more than track what you spend. Add your accounts, see your true net worth, and watch your whole picture come together — cash, cards, and crypto included.

No signup. No bank login. No learning curve. Open it and you're budgeting in 10 seconds.

SEE YOUR WHOLE NET WORTH

Add your bank, card, and cash accounts and see every balance in one place. Track what you own and what you owe, and Money Talks does the math: your real net worth, updated as money moves.

• Bank, card, cash, savings, investments
• Assets and what you owe in one honest number
• Jump between a single account and your whole picture in a tap

TRACK CRYPTO, SIMPLY

Hold coins? Track them right beside your money, valued live in your own currency. Money Talks is a tracker, not an exchange — nothing to connect, no trading, no risk. Just your holdings, finally part of the same picture as everything else.

SEE WHERE YOUR MONEY GOES

Turn your transactions into a spending breakdown for any period — a donut and a ranked list showing exactly where your money went, biggest first. Tap a category to see inside. Free.

With Pro, see how each category trends over recent months and turn your real spending into a ready-made budget in one tap.

BUDGET TOGETHER

Money for two doesn't have to be messy. Share a space with your partner or family and budget as a team — same budgets, same goals, in sync across every device.

• Invite a partner, spouse, or family member
• Personal and shared finances stay completely separate
• Switch between your space and a shared one with one tap

SPEND IN ANY CURRENCY

Travel, live abroad, or earn and spend in different money? Track every expense in its own currency, with real exchange rates.

USD, EUR, GBP, UAH, PLN, JPY, CAD, AUD, CHF, and 10 more — 19 in total.

BUDGETS THAT STAY SIMPLE

Set a limit, split it across categories — and go one level deeper into subcategories when you want the detail. Real-time progress and gentle warnings at 70% and 90%, so you stop overspending before it happens, not after.

Daily, weekly, monthly, or yearly. No spreadsheets, no rules to learn.

CLOSE THE MONTH IN ONE FLOW

This is where other apps leave you on your own. Money Talks doesn't.

When a budget ends, a guided wizard walks you through it: cover any overspending, then roll your leftover savings into next month or straight into a goal. One flow, no math, nothing lost.

GOALS THAT MOTIVATE

Vacation, emergency fund, paying off debt, a new car — set a target and watch it grow. Leftover budget can flow into your goals automatically, and milestones (25%, 50%, 75%, done!) keep you moving.

SWITCH IN SECONDS

Coming from another app? Don't start over. Import your history from a CSV — Money Talks reads YNAB, Wallet, Monefy, ZenMoney, Spendee, and more, matches your categories, and you're set. Changed your mind? Undo the whole import in one tap.

YOUR DATA STAYS YOURS

No bank connections. No data selling. No ads. Your finances live on your device until YOU choose to sync — and you can leave anytime: export everything to CSV or PDF, no lock-in. It works fully offline too, so you can log an expense on a flight or in the mountains and it syncs when you're back. Out in public? Incognito mode hides your amounts with a tap.

FREE TO START, PRO WHEN YOU WANT MORE

Everyday budgeting is free. Money Talks Pro unlocks the full picture — multiple accounts, crypto, subcategories, recurring transactions, spending trends, and more — with a 30-day free trial. No ads, no data selling, ever.

BEAUTIFUL AND FAST

Native design for iPhone and iPad. Clean, smooth, dark mode, optimized iPad sidebar. It feels fast because it IS fast.

Simple. Private. Powerful — in that order.

Download Money Talks and start in 10 seconds.