# PlainMoney - Personal Finance — No accounts, no bank linking

> No accounts, no bank linking (iPhone/iPad app by Bhim Upadhyaya.)

- Source: https://appshunter.io/ios/app/plainmoney-personal-finance/id6812015595 (this page in markdown: same URL + `.md`)
- Developer: [Bhim Upadhyaya](https://appshunter.io/developer/1886342738)
- Category: Finance, Education
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 16 MB
- Languages: American English
- Released: 2026-09-22
- Data updated: 2026-10-03

## What is PlainMoney?

Plain-language, offline personal finance help for everyday money decisions — no accounts, no bank-linking, and nothing about you ever leaves your phone.

WHAT IT DOES
- See exactly where you stand today: what's left until payday, what bills are due, and what you've spent this cycle.
- Track spending and bills, with an early heads-up before a bill is due or you're off pace.
- Decode a real paycheck: gross pay, federal tax, Social Security, Medicare, and deductions, broken down line by line.
- Estimate your federal income tax for the year.
- Run a 50/30/20 budget split on your real take-home pay.
- Plan a debt's payoff, or see the real cost of paying only the minimum.
- Project how savings could grow over time across index funds, bonds, T-Bills, or your own investments — using real historical return data (the NYU Stern/Damodaran dataset), never made-up numbers.
- Set and track a savings goal.

SAFETY NET — always free
A dedicated Safety tab covers scam patterns, coercive financial control and elder-exploitation warning signs, benefits guidance, and disaster recovery. Free forever, for everyone — Safety content never has a Pro paywall placed in front of it.

HOW IT WORKS
Every screen explains how something works. It never tells you what to buy, sell, or borrow. Every tool and guide ends with a plain reminder: this is education, not financial advice.

PRIVACY, BY DESIGN
- No accounts, no sign-in, no backend servers.
- No analytics, no crash reporting, no third-party SDKs.
- No bank-linking, no credentials — every number is typed in by you.
- The only network calls are two public reference feeds (European Central Bank daily exchange rates, US Treasury monthly rates) plus subscription billing. Nothing about you is ever sent anywhere else.
- Receipt-photo and voice spending entry are both processed entirely on your phone.

PLAINMONEY PRO (optional)
The core budgeting, bill tracking, debt tools, and the entire Safety Net are free, permanently. PlainMoney Pro is an optional subscription that unlocks specialized planning tools for occasional situations: a net worth tracker, financial independence (FI) number calculator, loan comparison, quarterly tax set-aside planner, cost-of-living comparisons, cost of a child, and total cost of a car.


This app uses Apple's standard End User License Agreement:
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| PlainMoney Pro Monthly | $4.99 | per month |


## Is PlainMoney safe?

Not enough ratings yet to assess PlainMoney.

## Is PlainMoney legit?

PlainMoney - Personal Finance appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for PlainMoney is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.1.0 — 2026-09-23

Ask with on-device AI. Turn on "Enable AI/SI/LLM" under the Ask box on Today, pick a model, and get plain-language answers grounded in PlainMoney's own guides, computed entirely on your phone. It is off by default, the model is downloaded once, and nothing you type ever leaves your device.

Also fixed: the camera button in Add spending now opens the camera right away.

### 1.0 — 2026-09-22

No release notes.

## More apps by Bhim Upadhyaya

- [Nutrisize](https://appshunter.io/ios/app/nutrisize/id6760806833)
- [Nutrisize Pro](https://appshunter.io/ios/app/nutrisize-pro/id6762107162)
- [Nutrisize Health](https://appshunter.io/ios/app/nutrisize-health/id6762168316)
- [Kindly Wellness](https://appshunter.io/ios/app/kindly-wellness/id6762240167)
- [PlainDental](https://appshunter.io/ios/app/plaindental/id6763691908)
- [CareCircle Caregiving](https://appshunter.io/ios/app/carecircle-caregiving/id6763921508)

All apps by Bhim Upadhyaya: https://appshunter.io/developer/1886342738

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*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 2026-10-03.*