# twocents: Social Finance — Your username = your net worth > Social network where username is verified net worth for financial transparency and advice. (iPhone/iPad app by Two Cent Software Inc..) - Source: https://appshunter.io/ios/app/twocents-social-finance/id6754617302 (this page in markdown: same URL + `.md`) - Developer: [Two Cent Software Inc.](https://appshunter.io/developer/1849277837) - Category: Social Networking, Finance - Price: Free - Rating: 4.70/5 from 85 App Store ratings · 8 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 82 MB - Languages: American English - Released: 2025-12-07 - Data updated: 2026-08-27 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/twocents-social-finance/id6754617302/reviews.md ## What is twocents? twocents is the social network where your username is your verified net worth. It's where money meets memes, honesty, and a little chaos. Ask the questions you'd never post under your real name. Get real answers from verified multi-millionaires. Track your net worth, flex your wealth or your crippling debt, and see exactly where you stand. twocents is an identity-free, unfiltered space to connect with others and see the world through the lens of wealth. It's transparency for finance, status… and life. KEY FEATURES: Find Your People - Post your daily thoughts, your most unhinged purchases, your hottest takes. - Slide into the comments for debates and the occasional roast session. - Get into group chats with people on your level, for the discussions you can't have anywhere else. Debate Hot Topics - Drop polls and watch how opinions split by wealth in real time. Post Your Wins (and Fails) - Share the transactions worth posting: the impulse buys, the flexes, the "why did I do this" moments. - Show off your budgeting glow-up or your latest budgeting disaster. We've all overdrafted for something dumb. - Use built-in budgeting tools to actually get your money together … or at least track the chaos. Talk About Your Interests: - Stocks, crypto, personal finance, dating, politics, pop culture. Money's the theme, not the limit. Get Real Advice - Ask your dumbest or most desperate money questions and get answers from verified multi-millionaires. Climb the Leaderboard: - Check the Top 100 and the highest debt. - Track your come-up and watch your ranking grow. See the Receipts - Verified net worths broken down by demographic. - Real purchases from real people. - Compare your spending habits to people of all wealth levels. Money is just the backdrop: you can talk about anything here. And grow your wealth along the way. SECURE BY DESIGN twocents is powered by Plaid: the same service trusted by apps like Venmo and Robinhood. You connect through them, not us. twocents is read-only. We can't move or withdraw your money, make trades, or access your private identifying information. Your money stays your money. Your info stays your info. We don't collect emails, phone numbers, or personal data. Your credentials stay on your device and sync securely via iCloud. ## Key features - Verified net worth usernames - Ask finance questions - Advice from verified multi-millionaires - Track and compare net worth - Join group chats by net worth - Debate hot topics with polls - Filter feed by net worth ## Recent user reviews (8 of 8) All indexed reviews: https://appshunter.io/ios/app/twocents-social-finance/id6754617302/reviews.md ### 3/5 — I feel like I lost brain cells *2026-08-25* . ### 5/5 — Finally something new *2026-05-24* This is next level. An original idea finally. ### 5/5 — Good App *2026-02-19* This app is the only place the world where you could have a few million dollars in net worth and still get called a “pooron/peasant” by some 18 year old with $150 mil of daddy’s money. Overall really fun App and you meet some really interesting people on here… ### 5/5 — cool concept *2025-12-19* Addicting ### 5/5 — Change my life *2025-12-13* My life was worthless before twocents. Then it came out I realized I’m rich as hell and now life has meaning ### 5/5 — Insightful & entertaining *2025-12-10* Financial transparency is hereeee. Honestly this app could revolutionize financial transparency. The polls are so fascinating and it’s also just a fun space to be in and talk to people! Honestly addicting lol Gonna learn a lot on here ### 5/5 — Help I can’t stop posting *2025-12-09* Most clever concept I’ve seen in years. ### 5/5 — I gained so much money and knowledge *2025-12-07* I love u andi ## Frequently asked questions about twocents ### What is twocents? twocents is a social network where your username is your verified net worth. It allows users to ask financial questions, receive advice from verified multi-millionaires, and connect with others based on shared wealth and interests. The app focuses on transparency in finance, careers, and success. ### How does twocents verify net worth? Net worth is verified through Plaid, a trusted service also used by apps like Venmo and Robinhood. The app is read-only, meaning it cannot move or withdraw your money, make trades, or access your private identifying information. Your credentials stay on your device and sync securely via iCloud. ### Is twocents free to use? Yes, twocents is a free application. The description does not mention any in-app purchases, subscriptions, or advertisements, indicating it is available at no cost to users. ### Who can join twocents? The app is designed for individuals interested in transparent financial discussions and wealth building. Users can join group chats with people like them, or even exclusive groups of peers who share their net worth for more relatable discussions. It's a space to connect and see the world through the lens of wealth. ### What kind of information can I share on twocents? You can engage in discussions about various topics including stock picks, crypto, personal finance, dating, and politics. You can also submit finance questions and receive answers from verified multi-millionaires. The app emphasizes transparency in finance, careers, status, and success, allowing you to share and view content filtered by net worth. ## Version history (last 5 releases) ### 4.3 — 2026-08-26 INTRODUCING WEALTHSCROLLING - Doomscrolling is out. Wealthscrolling is in. - twocents is the only feed where scrolling is actually productive. Scroll for fun and we'll surface financial insights and opportunities to act on them right in the feed. - See how people just like you are spending and saving in real time – and suddenly your own money makes a lot more sense. - The more you scroll, the better your financial picture gets. BUDGETING TOOLS – ALL FREE, ALL PRIVATE - Track every transaction and categorize your spending automatically. - Set savings goals and follow your progress in real time. - Build monthly budgets and get alerts before you go over. - Track loans and debt payoffs – and see exactly when you'll be free. - Share your budget exclusively with people you know in real life – and hold each other accountable. - All your cards and accounts in one place – transactions aggregated automatically so you always know where you stand. THE FEED – YOUR FINANCES, FINALLY WORTH POSTING ABOUT - Share a purchase, a milestone, a bad week, or a win – anonymously. - React and comment on posts from people in the exact same situation. - Browse spending confessions, debt payoffs, savings goals, and budget check-ins. - Sharing is always optional – lurk as long as you want. THE COMMUNITY – MAKE FRIENDS. GET ADVICE. - Connect with people in your financial bracket or any other. - DM someone who's paid off debt and ask them how they did it. - Get honest money advice from people across the entire wealth spectrum – including multimillionaires. - No sponsored takes. Just real people, real numbers. - Your username is your net worth – interact with people based on their wealth WHY twocents IS DIFFERENT - Budgeting stops being a chore when other people are doing it with you. We make personal finance a fun, shared experience. - Get a real window into how people just like you are spending, saving, and getting by. - Wealthscrolling, not doomscrolling – the only feed that makes you more financially aware just by using it. - Your username is your verified net worth, updated automatically as your finances change. - All anonymous – no name, no photo, just numbers. - No paywalls, no premium tiers, no "upgrade to unlock" – everything is free. - Built on Plaid, the same secure technology behind Venmo. ### 4.2 — 2026-08-20 INTRODUCING WEALTHSCROLLING - Doomscrolling is out. Wealthscrolling is in. - twocents is the only feed where scrolling is actually productive. Scroll for fun and we'll surface financial insights and opportunities to act on them right in the feed. - See how people just like you are spending and saving in real time – and suddenly your own money makes a lot more sense. - The more you scroll, the better your financial picture gets. BUDGETING TOOLS – ALL FREE, ALL PRIVATE - Track every transaction and categorize your spending automatically. - Set savings goals and follow your progress in real time. - Build monthly budgets and get alerts before you go over. - Track loans and debt payoffs – and see exactly when you'll be free. - Share your budget exclusively with people you know in real life – and hold each other accountable. - All your cards and accounts in one place – transactions aggregated automatically so you always know where you stand. THE FEED – YOUR FINANCES, FINALLY WORTH POSTING ABOUT - Share a purchase, a milestone, a bad week, or a win – anonymously. - React and comment on posts from people in the exact same situation. - Browse spending confessions, debt payoffs, savings goals, and budget check-ins. - Sharing is always optional – lurk as long as you want. THE COMMUNITY – MAKE FRIENDS. GET ADVICE. - Connect with people in your financial bracket or any other. - DM someone who's paid off debt and ask them how they did it. - Get honest money advice from people across the entire wealth spectrum – including multimillionaires. - No sponsored takes. Just real people, real numbers. - Your username is your net worth – interact with people based on their wealth WHY twocents IS DIFFERENT - Budgeting stops being a chore when other people are doing it with you. We make personal finance a fun, shared experience. - Get a real window into how people just like you are spending, saving, and getting by. - Wealthscrolling, not doomscrolling – the only feed that makes you more financially aware just by using it. - Your username is your verified net worth, updated automatically as your finances change. - All anonymous – no name, no photo, just numbers. - No paywalls, no premium tiers, no "upgrade to unlock" – everything is free. - Built on Plaid, the same secure technology behind Venmo. ### 4.1 — 2026-08-11 twocents is evolving in an exciting new direction. The social network you know and love is now a social budgeting app, combining smart money management with real, anonymous conversations. You can now include transactions from your connected accounts. Use it to track spending, reach savings goals, pay off debt, and stay accountable alongside a community navigating the same financial journey. Best of all, it’s completely free. Here's what to expect from this latest build. Expanded budgeting tools - Track spending with new budgeting improvements including: - Spend Tracking: gives you a clear view of your purchases and spending habits - Hourly Rate Support: breaks down purchases into hours worked based on your wage - 3 Big Numbers: what you spent today, this week, this month - Categories: allows you to categorize your transactions toward your goals - Spend Comparisons: shows how your spending compares to similar users - We’ve also improved month selection, transaction views, and budgeting navigation for a smoother experience New Polls feed We now have a feed that only shows polls you haven't voted in yet. Refreshed navigation and feed experience Enjoy redesigned menus, smoother scrolling, updated post layouts, new card animations, insights cards, and enhanced feed visuals throughout the app. Improved messaging and Rooms UX Rooms now feel faster and cleaner with improved messaging behavior, better interaction feedback, connection-state indicators, and overall UX polish. Smoother transaction and review flows Improved navigation between reviews, transactions, notifications, and linked content for a more seamless in-app experience. Performance improvements and fixes This release includes updates to spending calendar visuals, comment behavior fixes, sidebar and navigation improvements, splash screen updates, and broader stability and performance enhancements across web and mobile. ### 4.0 — 2026-08-04 twocents is evolving in an exciting new direction. The social network you know and love is now a social budgeting app, combining smart money management with real, anonymous conversations. You can now include transactions from your connected accounts. Use it to track spending, reach savings goals, pay off debt, and stay accountable alongside a community navigating the same financial journey. Best of all, it’s completely free. Here's what to expect from this latest build. Expanded budgeting tools - Track spending with new budgeting improvements including: - Spend Tracking: gives you a clear view of your purchases and spending habits - Hourly Rate Support: breaks down purchases into hours worked based on your wage - 3 Big Numbers: what you spent today, this week, this month - Categories: allows you to categorize your transactions toward your goals - Spend Comparisons: shows how your spending compares to similar users - We’ve also improved month selection, transaction views, and budgeting navigation for a smoother experience New Polls feed We now have a feed that only shows polls you haven't voted in yet. Refreshed navigation and feed experience Enjoy redesigned menus, smoother scrolling, updated post layouts, new card animations, insights cards, and enhanced feed visuals throughout the app. Improved messaging and Rooms UX Rooms now feel faster and cleaner with improved messaging behavior, better interaction feedback, connection-state indicators, and overall UX polish. Smoother transaction and review flows Improved navigation between reviews, transactions, notifications, and linked content for a more seamless in-app experience. Performance improvements and fixes This release includes updates to spending calendar visuals, comment behavior fixes, sidebar and navigation improvements, splash screen updates, and broader stability and performance enhancements across web and mobile. ### 3.9 — 2026-07-31 twocents is evolving in an exciting new direction. The social network you know and love is now a social budgeting app, combining smart money management with real, anonymous conversations. You can now include transactions from your connected accounts. Use it to track spending, reach savings goals, pay off debt, and stay accountable alongside a community navigating the same financial journey. Best of all, it’s completely free. Here's what to expect from this latest build. Expanded budgeting tools - Track spending with new budgeting improvements including: - Spend Tracking: gives you a clear view of your purchases and spending habits - Hourly Rate Support: breaks down purchases into hours worked based on your wage - 3 Big Numbers: what you spent today, this week, this month - Categories: allows you to categorize your transactions toward your goals - Spend Comparisons: shows how your spending compares to similar users - We’ve also improved month selection, transaction views, and budgeting navigation for a smoother experience New Polls feed We now have a feed that only shows polls you haven't voted in yet. Refreshed navigation and feed experience Enjoy redesigned menus, smoother scrolling, updated post layouts, new card animations, insights cards, and enhanced feed visuals throughout the app. Improved messaging and Rooms UX Rooms now feel faster and cleaner with improved messaging behavior, better interaction feedback, connection-state indicators, and overall UX polish. Smoother transaction and review flows Improved navigation between reviews, transactions, notifications, and linked content for a more seamless in-app experience. Performance improvements and fixes This release includes updates to spending calendar visuals, comment behavior fixes, sidebar and navigation improvements, splash screen updates, and broader stability and performance enhancements across web and mobile. ## Related topics [two cents](https://appshunter.io/ios/topics/two-cents) · [software social](https://appshunter.io/ios/topics/software-social) · [social finance](https://appshunter.io/ios/topics/social-finance) --- *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 2026-08-27.*