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A personal finance app for iPhone and Android. You organize accounts, credit cards and statements, and the app calculates a financial health score. In Pro, AI makes a diagnosis of your month and answers questions about your money.

Yes: the app is on Google Play and the App Store.

No. The whole app works without one, with your data only on your device. An optional account (Sign in with Apple or Google) syncs your data across devices; the copy on our server is stored encrypted.

No. My Two Cents never asks for your bank login or password and does not link to your accounts. You add spending yourself, with a photo of a receipt, a typed sentence or a voice note, or you import the statement file you download from your bank.

My Two Cents supports US dollars, British pounds, euros, Canadian and Australian dollars and Brazilian reais. You can pick the currency in the app's Settings. Switching currency only changes how amounts are shown: nothing is converted, so £100 simply becomes $100.

Entries (receipt photos and typed sentences included), accounts, credit cards and statements, installments, reminders, reports, the Financial Health Score, up to 3 budgets and 3 goals, CSV/OFX/QFX import, sync and backup. No time limit.

The monthly diagnosis with suggestions, the assistant, voice entry, reading PDF statements, cash flow forecast, smart alerts, the score breakdown, the year summary and unlimited budgets and goals.

$3.99 a month, with a 7-day free trial on your first subscription (price in effect from November 12, 2026). Billing is handled by Apple or Google, so you cancel there, with no fee and no contract. On iPhone: Settings → your name → Subscriptions → pick the app → Cancel. On Android: Google Play → your profile picture → Payments & subscriptions → Subscriptions. Pro stays active until the end of the period you paid for. Deleting the app does not cancel the subscription. Refunds are handled by Apple or Google.

Sign in with the same Apple or Google account on both, in More → Account. If the new device already has data, the two sides are merged without duplicates.

The app syncs what had not been uploaded yet and erases the data on this device. It stays in your account and comes back when you sign in again.

The app makes an automatic weekly backup in the device's folder, which iCloud can copy depending on your settings. You can also export a manual backup in More → Data and Backup.

Export your data as CSV or JSON in More → Export data. To delete everything, delete your account in More → Account: it erases the copy on our server and the data on your phone. An iCloud backup, if you have one, stays in your iCloud until you remove it. Deleting the app alone removes the local data but not an account copy.

Yes, and it is free. Take a photo or pick one from your library, or share a receipt to the app straight from Photos or Messages. The app reads the store name, date and total on your phone (the photo is not uploaded), and you check the entry before saving.

Tap the microphone and say something like "spent 45 bucks on lunch yesterday". The app fills in amount, date and category for you to confirm. Voice entry is part of Pro. Speech recognition is done by your phone's system, and we do not record or send the audio. Typing the same sentence is free.

Download the activity file from your bank's website or app (open the account, choose Download or Export activity, pick CSV, OFX or QFX and a date range), then open the file in the app's import screen. Credit card files work too. Dates are read the US way (month first), and you review everything before it is saved. The import guide inside the app lists the exact path for the biggest US banks. Reading PDF statements with AI is a Pro feature.

Nothing happens: on the review screen, what already exists in the app is marked as a duplicate and does not come in again.

Only what you authorize, and only for the Pro AI features. The monthly diagnosis gets totals by category, without entry descriptions. The assistant can read the description and amount of a specific entry when you ask about it. Anthropic, which runs the AI, does not use this data to train its models. The app asks for your consent before the first use.

No. The assistant does not recommend investments, financial products, banks or loans. It organizes your numbers so you can decide.

No. Your financial data is never sold, rented or shared with third parties for commercial purposes.

No. My Two Cents helps you organize and understand your own numbers. It is not investment, tax or legal advice. See the Terms of Use.

In the app, go to More → Send a suggestion or problem, or email us. Tell us your phone model and the app version, and what you expected to happen. Please do not send passwords or card numbers.