# Talk Wallet

> Talk Wallet (iPhone/iPad app by VU DINH HUY.)

- Source: https://appshunter.io/ios/app/talk-wallet/id6822734483 (this page in markdown: same URL + `.md`)
- Developer: [VU DINH HUY](https://appshunter.io/developer/1614207035)
- Category: Lifestyle, Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 18 MB
- Languages: American English, Vietnamese
- Released: 2026-10-15
- Data updated: 2026-11-06

## What is Talk Wallet?

Talk Wallet lets you record income and expenses with a single sentence. No typing numbers, no picking categories — just speak naturally. And FinCo, your AI financial assistant, helps you understand where your money goes.

SPEAK IT, SAVE IT
• “Lunch 50k” → Expense ₫50,000, Food & drink
• “Paid 12 dollars for lunch” → Expense $12, Food & drink
• “Received 500 euros” → Income €500
Can’t talk right now? Type the sentence instead. The recording screen stays open after saving, so you can log several transactions in a row.

UNDERSTANDS HOW PEOPLE TALK ABOUT MONEY
• 50k, 1 triệu 2, 5 củ, năm chục — Vietnamese shorthand and slang
• Yesterday, last night, Monday last week…
• Knows who paid whom, so transfers are saved as income or expense correctly
• The transaction time defaults to when you started speaking

LEARNS FROM YOU
Said “500 cá” and the app didn’t get it? Correct it once to ₫500,000 and Household — next time “300 cá” is understood as ₫300,000. View, edit or delete everything the app has learned at any time.

NEVER GUESSES BLINDLY
When a sentence is ambiguous, Talk Wallet asks instead of guessing. Uncertain transactions go to “Needs review” so you can check them later.

SEE WHERE YOUR MONEY GOES
• Overview by day, week, month and year
• Pie chart by category, bar chart of income vs. expenses
• Monthly budgets per category with over-budget alerts
• Search, filter by category and currency, edit and delete transactions (with undo)
• Import from Excel or CSV; export each month to Excel

FINCO — YOUR AI FINANCIAL ASSISTANT
• Ask about spending, saving, budgets or debt — by typing or by voice
• Weekly, monthly and yearly spending analysis compared with the previous period
• FinCo asks before using your data; nothing is sent until you agree
• Answers in the app’s language; save structured answers as Markdown
FinCo’s answers are generated by AI and are not financial advice.

PRIVATE BY DESIGN
Your transactions and everything the app learns stay on your iPhone — no account, no sign-in. Data leaves your iPhone only when you use FinCo: your messages, and the transactions you agree to share, are sent to our server and our AI provider (Anthropic) just to create answers. Erase everything in one tap.

Supports VND, USD and EUR. Available in Vietnamese and English.

FREE, PRO AND PREMIUM
Recording income and expenses is free. The free version may show ads and includes free daily FinCo uses; watch a short video ad for more.
• Talk Wallet Pro — a one-time purchase that removes all ads.
• Talk Wallet Premium — a monthly or yearly subscription: everything in Pro, plus unlimited FinCo, unlimited Excel import/export and saved FinCo chat history.
Premium renews automatically at the same price unless you turn off auto-renew at least 24 hours before the current period ends. Manage or cancel in your Apple ID subscription settings. Your income and expense data is never shared with advertisers.

Privacy: https://vudinhhuyit.github.io/Talk-Wallet-Support/#privacy
Terms of Use: https://vudinhhuyit.github.io/Talk-Wallet-Support/#terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Tháng | $1.99 | per month |
| Premium Yearly | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Talk Wallet Pro | $2.99 | one-time |


## Is Talk Wallet safe?

Not enough ratings yet to assess Talk Wallet.

## Is Talk Wallet legit?

Talk Wallet appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Talk Wallet is 63 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.0.7 — 2026-11-03

Stability improvements and bug fixes.

### 1.0.6 — 2026-10-28

- FinCo phân tích chi tiêu 3 tháng và 6 tháng
- Widget FinCo mới: Hỏi FinCo, FinCo Insight
- Stability improvements and bug fixes.

### 1.0.5 — 2026-10-25

New: FinCo, your AI financial assistant — ask questions by typing or voice, and get weekly, monthly or yearly spending analysis. FinCo asks before using your data.
New: Talk Wallet Premium (monthly or yearly) — unlimited FinCo, unlimited Excel import/export, saved chat history and no ads.
Smarter recording: understands who sent money to whom, times inside sentences, and lets you filter by currency.
The recording screen stays open after saving, so you can log several transactions in a row.
Stability improvements and bug fixes.

### 1.0.2 — 2026-10-18

New: Import transactions from Excel or CSV
New: Talk Wallet Pro — a one-time purchase that removes all ads. Every feature stays free.
Stability improvements and bug fixes.

### 1.0.1 — 2026-10-15

What's new in 1.0.1
• Home Screen and Lock Screen widgets
• Get notified when a new version is available on the App Store
• Friendlier Excel data export

## More apps by VU DINH HUY

- [Flash Run 2](https://appshunter.io/ios/app/flash-run-2/id6736660876)
- [RedBall 2D](https://appshunter.io/ios/app/redball-2d/id6822674819)
- [Capybara Around the World](https://appshunter.io/ios/app/capybara-around-the-world/id6829455439)

All apps by VU DINH HUY: https://appshunter.io/developer/1614207035

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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 2026-11-06.*