# 2Money

> Free, privacy-first expense tracker for iPhone. No subscription, no ads, no account required.

2Money is a free iOS app for personal finance management. Users track expenses and income across multiple accounts, set budgets, view spending insights, and sync data across Apple devices. All financial data stays on-device. No bank linking required. Available in 41 languages with 60+ currencies.

## Links

- Homepage: https://2money.app
- Features: https://2money.app/features
- Press Kit: https://2money.app/press
- Beta (TestFlight): https://2money.app/beta
- App Store: https://apps.apple.com/us/app/2money/id6758435655
- AlternativeTo: https://alternativeto.net/software/2money/
- Product Hunt: https://www.producthunt.com/products/2money
- Privacy Policy: https://2money.app/privacy
- Terms of Service: https://2money.app/terms
- Press Contact: press@2money.app
- Support: support@2money.app

## Key Features

### Core Tracking
- **Multiple Accounts**: Track cash, bank accounts, credit cards, savings goals, and debt with individual currencies and balances
- **Multi-Currency**: 60+ currencies with live exchange rates and automatic conversion
- **Recurring Transactions**: Automated subscriptions and bills on daily, weekly, monthly, quarterly, or yearly schedules

### Budgets & Insights
- **Smart Budgets**: Per-category budgets with visual progress bars and overspending alerts
- **Visual Insights**: Spending breakdown, trend charts, income vs expenses, category analysis
- **Smart Alerts**: Budget warnings, savings milestones, and balance notifications

### Smart Rules (Auto-Categorization)
- **Smart Rule Engine**: Centralized auto-categorization for manual entry, Apple Pay, Siri, and CSV import
- **Auto-Learning**: Rules learned from user corrections activate after 2+ corrections
- **Payee Matching**: Case-insensitive substring matching with pipe `|` OR-logic for multiple payees per rule

### Integrations
- **iCloud Sync**: Sync across all Apple devices via iCloud with automatic and manual sync
- **Apple Pay**: Auto-log tap-to-pay expenses via Shortcuts automation
- **Siri and Shortcuts**: Voice commands and App Intents for hands-free expense tracking
- **Currency Converter**: Standalone converter with live rates, remembers last-used currency pair

### Split Bills
- Track shared expenses with multiple participants using equal or custom splits
- Mark payments, write-off shares, and link refund transactions

### Fixed Deposits
- Track fixed deposits, CDs, and term deposits with maturity dates and expected returns
- Supports conventional (fixed interest) and Islamic (Mudarabah profit-sharing) deposit types
- Maturity reminders and progress tracking

### Data Management
- CSV import from 20+ app formats: Monefy, Spendee, 1Money, Toshl, Mint, Goodbudget, Fleur, Splitwise, PocketGuard, TravelSpend, Settle Up, Cashew, MoneyCoach, Dime, Rolly, Budget App, MoneyWiz, Finadyx, Expenses, Money Flow, and custom CSV
- CSV export and ZIP backup for full data portability
- Automatic daily backups to iCloud Drive with 7-day retention and one-tap restore
- Data integrity checks with auto-fix and cleanup tools
- App reset with pre-reset backup safety net

### Privacy & Security
- All data stored locally on device
- Face ID / Touch ID and passcode protection
- Private mode to blur all amounts
- No ads, no third-party data sharing
- Optional iCloud sync through user's own Apple account

### Widgets (17 total)
- 7 home screen widgets: Today's Spending, Total Balance, Quick Add, Spending Summary, Budget Progress, Recent Transactions
- 5 lock screen widgets: spending, balance, budget, add expense, add income
- 5 Control Center controls: Add Expense, Add Income, Add Transfer, My Balance, Today's Spending

### Payee Management
- Track who you pay and get paid by with auto-detection from transaction descriptions
- Smart matching with case-insensitive substring and fuzzy matching
- Merge duplicate payees and view spending history per payee

### Appearance & Customization
- Dark and light themes with system automatic option
- 7 accent colors: Indigo, Blue, Purple, Pink, Red, Orange, Green
- 5 app icons with filled/outlined icon styles
- Navigation bar blur levels (Solid + 4 blur options)
- Configurable startup screen, currency format (8+ formats), decimal places (1-3)
- Calendar settings (first day of week, first day of month)
- Haptic feedback toggle

### Search & Discovery
- Spotlight Search to find transactions from iOS home screen
- Deep links with `twomoney://` URL scheme and parameterized URLs
- Transaction filters by account, category, payee, type, and status

### Accessibility
- Dynamic Type font scaling throughout the app
- Reduce Motion support for animation-sensitive users
- Full VoiceOver labels on all interactive elements
- Differentiate Without Color for color-blind users

### Onboarding
- Setup wizard for first-time users
- Feature tour highlighting key capabilities
- Pre-configured starter pack of categories and budgets

### Notifications
- Budget alerts when approaching or exceeding limits
- Recurring transaction reminders
- Daily expense reminder
- Overdue debt alerts

### Localization
- Available in 41 languages including English, Spanish, French, Portuguese, German, Italian, Russian, Japanese, Korean, Chinese, Hindi, Finnish, Czech, Bulgarian, Bengali, Catalan, Estonian, Filipino, Croatian, Lithuanian, Latvian, Slovak, Slovenian, Serbian, and more
- Every screen, notification, and label is fully translated

## Pricing

2Money is free to download and use. No ads. No subscriptions. No in-app purchases.

## Pricing

2Money is free to download and use. No ads. No subscriptions. No in-app purchases.

## Platform

- iOS (iPhone)
- Requires iOS 18.0 or later
- Version: 1.0.9