My Two Cents

My Two Cents is for people who want to understand their money without handing over their bank login.

• Log spending by photo, text or voice: say "spent 45 bucks on lunch" and the app fills in amount, date, category and account. Photo and text are read on your phone, with nothing sent.
• No bank login: import your statement as CSV, OFX or QFX for free, or have AI read a PDF statement in Pro.
• Credit cards done right: set the closing and due dates, and each purchase lands on the right statement. Installments show up in every month still to come.
• Budgets and goals: a limit per category with an alert at 80%, and goals with a deadline that show how much to save each month.
• Financial Health Score: 0 to 100, calculated on your device from six numbers you can check.
• AI assistant (Pro): ask about your own entries, goals and statements. It doesn't make up data, doesn't change anything and doesn't recommend investments.

Free for everyday tracking, with no time limit and no cap on entries. Pro is $3.99 a month with a 7-day free trial. Works without an account; with an account, synced data is encrypted. Available on iPhone and Android.