Your numbers stay yours
A money app knows a lot about you. That is why My Two Cents works without an account, never asks for a bank login and explains, before every upload, what leaves your device.
Free
Without an account, only on the device
You can use the whole app without signing in. In that case, accounts, entries, goals and budgets exist only in your iPhone's database.
With an account, encrypted with a key of your own
When you sign in with Apple or Google, a copy of your data goes to the server so it shows up on all your devices. It travels over HTTPS and is stored encrypted with a key exclusive to your account, protected by a master key in AWS KMS. It is not end-to-end encryption: the server can decrypt the data when it needs to process it, for example for the Pro AI summaries.
No bank login
The app does not link to your bank and never asks for any bank credential. Entries come in because you logged or imported them.
Day to day
Protections you turn on in the app.
- A lock with Face ID, Touch ID or passcode to open the app
- Privacy mode, which hides balances with one tap
- Manual backup to a file and automatic backup, with no account needed
Leaving is easy
Deleting your account erases the key, the records, the devices and the sessions on the server. Without the key, an encrypted copy that still exists in the provider's backups can no longer be read. And you can export your data at any time, as CSV or JSON.
Questions
Do you sell my data?
No. Your financial data is never sold, rented or shared with third parties for commercial purposes.
Who else processes the data?
The services that make the app work: Railway (server), AWS KMS (master key), Anthropic (Pro AI), Apple and Google (sign-in), RevenueCat (subscription) and Sentry (error reports, with no financial data). The full list is in the Privacy Policy.
What happens if I sign out of my account?
The app syncs what was missing and erases the data on this device. It stays in your account and comes back when you sign in again.
See also
AI assistant
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.
Import statements
Download the activity file from your bank and open it in My Two Cents. The entries arrive categorized, you review them and confirm.
Financial Health Score
The Financial Health Score sums up the month in one number and shows where it comes from. It is calculated on your iPhone, with no AI, using fixed rules you can check.
Start with the next purchase.
Free on iPhone and Android. Pro is $3.99 a month, with a 7-day free trial.
Point your iPhone camera here.
Point your Android camera here.