# My Two Cents: Budget Tracker — Track spending, no bank login > Personal finance manager for tracking expenses, budgeting, and financial health. (iPhone/iPad app by Ggsa Consultoria em T I Ltda.) - Source: https://appshunter.io/ios/app/my-two-cents-budget-tracker/id6783598878 (this page in markdown: same URL + `.md`) - Developer: [Ggsa Consultoria em T I Ltda](https://appshunter.io/developer/6781818781) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.0 · 69 MB - Languages: American English, European Portuguese - Released: 2026-07-08 - Data updated: 2026-11-13 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/my-two-cents-budget-tracker/id6783598878/reviews.md ## What is My Two Cents? Know where your money goes without handing over your bank login. My Two Cents is a simple, honest way to track spending. Add a purchase in seconds, import the file your bank gives you, and see where the month is heading. Pip, the crayon piggy, keeps the notebook with you. NO BANK LOGIN, EVER The app never asks for your bank username or password and does not link to your accounts. You stay in control of what goes in. It works without an account, and your data stays on your phone. FOUR WAYS TO LOG A PURCHASE • Snap a receipt: the store, date and total are read on your phone, free. The photo is not uploaded unless you choose "Improve with AI" (Pro). You review before saving. • Type it like you say it: "spent 45 bucks on lunch yesterday" fills in the amount, date and category for you to confirm. • Say it out loud: the same sentence by voice (Pro). • Import a statement: download CSV, OFX or QFX from your bank, credit card files included, and open it in the app. Dates are read the US way (month first), and you check every line first. Reading PDF statements is Pro. • On iPhone, add an entry with Siri SEE THE WHOLE PICTURE • Accounts, credit cards and bills in one place • Budgets by category, with a heads-up before you go over (3 free, unlimited in Pro) • Savings goals with a target date (3 free, unlimited in Pro) • Recurring bills and subscriptions • Reports that show where the money went • Split large purchases and track installments A FINANCIAL HEALTH SCORE YOU CAN CHECK A score from 0 to 100, worked out on your phone from numbers you can verify. Pro shows how every part adds up. YOUR DATA, YOUR CALL • Tracking works offline and without an account • Optional sign in with Apple or Google to sync your devices, stored encrypted • AI features only send data after you say yes, and your data is not used to train AI models • Export your data as CSV or JSON, and delete your account from the app • Pick your currency in Settings: US dollars, British pounds, euros, Canadian or Australian dollars, or Brazilian reais MY TWO CENTS PRO (optional) • An AI assistant you can ask about your own numbers • A monthly diagnosis with ideas to adjust next month • Voice entry • Statement reading from PDFs • Cash flow forecast and smart alerts • Year summary • Unlimited budgets and goals Everyday tracking is free with no time limit. Pro is an auto-renewing monthly subscription at $3.99/month, with a 7-day free trial on your first subscription. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in Settings > your name > Subscriptions. My Two Cents helps you organize and understand your own numbers. It is not financial, investment, tax or legal advice. Privacy Policy: https://usetwocents.com/privacy Terms of Use: https://usetwocents.com/terms Support: https://usetwocents.com/support ## Key features - Organize accounts, cards, and expenses - Import bank statements (CSV/OFX) - Track credit card bills and recurring transactions - Create budgets and savings goals - Smart financial health scoring - AI-powered financial diagnostics and savings suggestions ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pro Mensal | $3.99 | per month | ## Is My Two Cents safe? Not enough ratings yet to assess My Two Cents. ## Is My Two Cents legit? My Two Cents: Budget Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for My Two Cents is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/my-two-cents-budget-tracker/id6783598878/reviews.md ### 5/5 — R/G *2026-07-20* Bem feito e intuitivo, só não gostei que ele não curou meu consumismo compulsivo :( ### 5/5 — Top *2026-07-17* Estou adorandooo, muito fácil de usar e ajuda demais com as finanças hahaha **Developer response:** Muito obrigado pelo carinho! 😊 Ficamos muito felizes em saber que o app está ajudando a organizar suas finanças de forma simples. Conte sempre com a gente! ### 5/5 — Muito bom! *2026-07-15* Aplicativo muito eficiente, pratico e bem didático! Fácil de mexer. Esta me ajudando muito organizar minhas finança rsrs **Developer response:** Muito obrigado pela avaliação! 😊 Ficamos muito felizes em saber que você achou o app prático, didático e fácil de usar. É muito bom saber que ele está ajudando você a organizar suas finanças. Conte sempre com a gente! ## Frequently asked questions about My Two Cents ### How do I add expenses in Meus Trocados? You can register expenses in just 3 taps. Additionally, Meus Trocados allows you to import statements from your bank in CSV or OFX formats to avoid manual entry. ### Is Meus Trocados secure? Yes, Meus Trocados prioritizes your privacy with all your data stored locally on your iPhone. The app does not share your financial information. ### What are the benefits of Meus Trocados Pro? Meus Trocados Pro unlocks AI features like monthly diagnostics, actionable savings suggestions, automatic PDF statement extraction, cash flow forecasting, and unlimited budgets and goals. ### How often is Meus Trocados updated? The latest version, 1.0.6, was released on September 1, 2026. Updates are released to improve functionality and add new features. ### What devices does Meus Trocados support? Meus Trocados is available for iPhone and iPod touch devices. ### Can I cancel my Meus Trocados Pro subscription? Yes, you can cancel your Pro subscription at any time. The app offers a free tier, with the option to subscribe to Pro features when desired. ### Does Meus Trocados have ads? No, Meus Trocados does not contain advertisements. The app is ad-free. ### What is the age rating for Meus Trocados? Meus Trocados has an age rating of +4, making it suitable for a wide range of users. ## Version history (last 5 releases) ### 1.4.0 — 2026-11-12 My Two Cents now speaks English. Pick your language and currency in Settings: US dollar, British pound, euro, Canadian or Australian dollar, or Brazilian real. Import bank statements from the US, UK, Europe, Canada and Australia, snap receipts with tax lines handled for you, and log expenses by voice or with Siri. ### 1.3.0 — 2026-11-11 Versão nova, de cara nova. O Meus Trocados virou um caderno: folha pautada, grifos e o Troquinho, nosso porquinho de giz, que te acompanha desde o primeiro lançamento. CARTÃO DE CRÉDITO DO JEITO DO BANCO • A fatura leva o nome do mês em que vence. • Pague qualquer valor: o que faltar passa para a próxima fatura, o que sobrar vira crédito. • Juros e tarifas entram na hora de pagar, para a fatura bater com a do banco. • Transferência para o cartão já paga a fatura, e estorno abate dos gastos. • Faturas aparecem em Contas a pagar. • Para criar um cartão, basta o dia do vencimento. LANÇAR MAIS RÁPIDO • Foto da nota, voz e frase logo no topo do Novo lançamento. • Descrição acima da categoria, e categoria com busca. • "Já paguei" pergunta a data, e o status cabe numa linha só. COMEÇO GUIADO • Apresentação nova e primeiro lançamento guiado. • Se você já usava o app, o backup do iCloud é encontrado sozinho. E MAIS • Início mais enxuto, com o resto em "Ver mais". • Assistente responde sobre a fatura com os mesmos números da tela. • Mande sugestões ou conte um problema direto do app, em Mais. • Apagar tudo e recomeçar, em Mais, com dupla confirmação. • Ícone novo e várias correções. ### 1.2.0 — 2026-10-15 Lançar sem digitar: fotografe a nota, escreva uma frase ou fale o gasto, como "5 marmitas, 30 reais cada" ou "videogame de 1000 em 12 vezes". O app entende valor, data, categoria, conta, parcelas e assinaturas, e você confere antes de salvar. • Foto da nota e texto: grátis, lidos no próprio iPhone. • Voz (Pro): no app, no widget e no Botão de Ação. Novo também: onboarding refeito, retrospectiva mensal e teclado numérico que recolhe enquanto você rola. Ajustes de estabilidade. ### 1.1.2 — 2026-10-06 Compartilhe seu mês ou sua nota de saúde financeira como imagem, com os valores escondidos por padrão. Diagnóstico e resumo do ano com IA mais precisos: categorias com o nome certo e os meses certos do período. Simulador e metas com o CDI atualizado. A tela de planos agora mostra que a sincronização entre aparelhos é grátis. Ajustes de estabilidade. ### 1.1.1 — 2026-09-30 Assistente de IA mais preciso: os valores nas respostas agora aparecem sempre corretos. Gráficos de evolução do saldo mais fiéis, sem curvas que sugeriam quedas que não aconteceram. Melhorias gerais de estabilidade. ## Apps similar to My Two Cents | App | Rating | Price | Category | | --- | --- | --- | --- | | [KaiOro: Expense Tracker](https://appshunter.io/ios/app/kaioro-expense-tracker/id6816241048) | — | Free | Finance | | [App Tia Ryca](https://appshunter.io/ios/app/app-tia-ryca/id6757129950) | — | Free | Finance | | [Home Bills App](https://appshunter.io/ios/app/home-bills-app/id6785845217) | — | Free | Finance | | [Meu Saldo Fácil](https://appshunter.io/ios/app/meu-saldo-facil/id6759621521) | — | Free | Finance | | [Richer Finance](https://appshunter.io/ios/app/richer-finance/id6806444458) | — | Free | Finance | | [Vesi: AI Expense Tracker](https://appshunter.io/ios/app/vesi-ai-expense-tracker/id6785534576) | 5.0 (2) | Free | Finance | ## More apps by Ggsa Consultoria em T I Ltda - [Cadenio Chat](https://appshunter.io/ios/app/cadenio-chat/id6781818779) - [Nivro](https://appshunter.io/ios/app/nivro/id6807199552) - [Asterisco](https://appshunter.io/ios/app/asterisco/id6807545119) All apps by Ggsa Consultoria em T I Ltda: https://appshunter.io/developer/6781818781 --- *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 2026-11-13.*