# Money Talks — Private Finance — A ledger that stays on-device > A ledger that stays on-device (iPhone/iPad app by ADHAM MOHAMED KARIM SHALAB M ABDELNABY.) - Source: https://appshunter.io/ios/app/money-talks-private-finance/id6794862542 (this page in markdown: same URL + `.md`) - Developer: [ADHAM MOHAMED KARIM SHALAB M ABDELNABY](https://appshunter.io/developer/6794862544) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.0 · 12 MB - Languages: American English, Arabic - Released: 2026-08-06 - Data updated: 2026-09-14 - User reviews in markdown: https://appshunter.io/ios/app/money-talks-private-finance/id6794862542/reviews.md ## What is Money Talks? Money Talks is the finance app that stays on your phone. Your transactions, budgets, receipts, and IOUs live in an AES-encrypted vault on your device. No ads. No analytics. No account required. Nothing calls out on its own: optional iCloud backup syncs only an encrypted blob to your own private iCloud — nobody else can read it, including us — and optional bank linking (via Plaid, where available) connects only if you choose to turn it on. TRACK REAL MONEY • Every transaction names the account it happened in — balances are derived from what actually moved • Spend, income, transfers, refunds, and reimbursements all net correctly • Multi-currency with a base-currency view SPLIT & SETTLE • Split a bill: your share is an expense, friends' shares become IOUs • Settle up (fully or partially) and the money lands back in the account you pick • Reminder messages and settle-up summaries ready to share STAY AHEAD • Safe-to-spend today, budget pace per category, projected month-end • Financial health score that explains itself • Subscriptions detected and price changes flagged • Bills on the 29th–31st handled correctly in short months CAPTURE EFFORTLESSLY • Receipt scanning with on-device OCR • Bank SMS import via Shortcuts • CSV import, smart duplicate detection, review queue PRIVATE BY ARCHITECTURE • AES-GCM encrypted vault with recovery phrase • Face ID lock, privacy mode, private notifications • Encrypted widget data • Delete everything — including your iCloud copy — with one action FREE AND PREMIUM • The core ledger — accounts, transactions, splits, IOUs, budgets, safe-to-spend — is free forever • An optional Premium subscription unlocks extras like the debt payoff optimizer, monthly money story, travel budgets, and on-device AI assistant • Privacy is never paywalled: encryption, Face ID lock, and privacy mode are free for everyone Money Talks is an informational tool and does not provide financial advice, process payments, or hold money. Money Talks Premium is an auto-renewable subscription, offered as a monthly or annual plan for one person or for a household of up to six people. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://adhamkarim.com/projects/money-talks/privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Household — 5 People | $8.99 | per month | | Premium Household — 5 People | $91.99 | per year | | Premium Household — 4 People | $7.49 | per month | | Premium Household — 3 People | $55.99 | per year | | Premium Household — 2 People | $4.49 | per month | | Premium Household — 4 People | $73.99 | per year | | Premium Household — 3 People | $5.99 | per month | | Premium Individual Monthly | $2.99 | per month | | Premium Household — 2 People | $37.99 | per year | | Premium Individual Annual | $19.99 | per year | ## Version history (last 4 releases) ### 1.3 — 2026-09-07 Lowered IOS version and cleaned it up to be simpler and easier to use ### 1.2 — 2026-08-27 fixing shortcuts to make them more user friendly and easier to use ### 1.1 — 2026-08-10 Fixed Backlog shortcut aswell as merchant logic, changed screenshots to proper promotional displays, added more history views in ledger ### 1.0 — 2026-08-06 No release notes. ## More apps by ADHAM MOHAMED KARIM SHALAB M ABDELNABY - [Crucible](https://appshunter.io/ios/app/crucible/id6801019970) All apps by ADHAM MOHAMED KARIM SHALAB M ABDELNABY: https://appshunter.io/developer/6794862544 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-14.*