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My Two Cents

An assistant that answers with your own numbers

Ask it your way, like you'd ask someone you trust. The assistant looks at what's in the app and answers with the figures from your month, without making up data and without trying to sell you anything.

Pro, $3.99 a month, with a 7-day free trial

Conversation with the assistant answering whether the goals are on track

It already knows your month

Every conversation starts with a summary of the current month and the three before it: income, spending by category, the balance of each account, statements, goals, budgets and the score. When a question goes beyond that, it looks it up in the app.

  • Totals for any month or period, with the detail by category
  • The balance of each account today or on a date in the past
  • Credit card statements and how much of the limit is committed
  • The biggest expenses in a period
  • Search by merchant: everything you spent at Chipotle since June

What it does not do

The assistant only reads. It does not create, edit or delete entries. It does not recommend investments, banks, brokerages or loans, and it does not say which financial decision is best: it helps organize the numbers so you can decide. If the data is missing, it says so instead of guessing.

On screen

  • Assistant answer listing the three goals with amounts and deadlines
    The answer comes with your month's figures: how much is left for each goal and how much to save.
  • Monthly diagnosis and suggestions cards on the home screen
    The month's diagnosis sits at the top of the app, with suggestions in priority order.
  • Year summary screen with highlights

    At the end of the year, a summary of what changed from the one before.

The month's diagnosis

Besides the conversation, every month Pro generates a written diagnosis: what stood out, 3 to 5 suggestions in priority order, alerts for spending outside your pattern or a forgotten subscription, and a forecast of how the month is likely to close.

What goes to the AI

Before the first use, the app asks for your consent and explains what will be sent. The AI is Claude, from Anthropic, which does not use this data to train models. The diagnosis receives totals by category. The assistant can read the description and amount of an entry when the question calls for it. The conversation is not saved in the app.

Questions

Can I send a statement through the chat?

Yes. Attach the PDF to the conversation and it goes through the same reading as the import, with the review screen before anything is saved.

Does it work offline?

No. The assistant and the diagnosis need a connection. The rest of the app, the score included, works offline.

What if it misunderstands the question?

On an ambiguous question ("this month" when it isn't clear which), it asks you to clarify before answering. The figures always come from the app, not from an AI estimate.

See also

Start with the next purchase.

Free on iPhone and Android. Pro is $3.99 a month, with a 7-day free trial.