MoneyTalks – Personal Finance

Budgeting without the homework. No signup, no bank login, no setup overwhelm. Coming from another app? Import in seconds. Private, multi-currency, free.

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 money, simple enough that you'll actually keep using it.

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

START IN 10 SECONDS

Other apps make you sign up before you can do anything. Not this one. Open the app, add your first expense, see your balance. Done — no email verification, no passwords, no "complete your profile." Want cloud sync later? Optional. Make an account when YOU decide.

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 see exactly where your money goes. 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.

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 budgeting in 10 seconds.