2Money

2Money is a budgeting app built as an iOS app and positioned squarely around privacy. The design premise is that your financial data should stay on your device unless you explicitly choose to sync it. There is no account requirement, no ads, and no selling of data to third parties. Everything you track stays in local storage by default, though you can optionally sync across your Apple devices via iCloud if you want the same budget on your iPhone, iPad, and Mac. The app is available as a free download on the App Store, with a "Join Beta" option for early access to new features.

2Money is built for manual expense entry, not bank syncing. This matters because it means the app handles any account type: cash in your wallet, foreign bank accounts that may not integrate with US services, cryptocurrency wallets, physical gold holdings, or accounts you simply prefer not to connect to the internet. You add accounts yourself, name them, and choose a currency for each. Currencies matter here: if you travel or manage money across countries, each account can have its own currency, and the app converts everything to your chosen base currency for a unified net worth view, using live exchange rates. The app supports over 60 currencies, and there is a separate currency converter tool built in that covers 54 currencies if you need quick conversion without entering an expense.

Getting data into 2Money is simple by default (manual) and can be bulk import. You can type in a transaction whenever you spend money, or import historical data from another app. The site lists 20+ compatible apps including Monefy, Spendee, Mint, and Splitwise. CSV import and export let you back up your data or move it to a spreadsheet for analysis. The app also backs up automatically: daily backups go to your iCloud Drive with a 7-day retention window, and you can restore from any of those backups in the app's settings.

Tracking structure starts with accounts and then branches into categories, tags, and projects. Beyond basic checking and savings, you can track fixed deposits and CDs with their maturity dates, expected returns, and alerts when they mature. If you are in a country that uses Islamic banking instruments, the app specifically supports Mudarabah (Islamic profit-sharing) products. Each account holds transactions tagged to payees, and the app can auto-detect payees from your transaction descriptions and merge duplicates so your spending history per payee is clean.

Budgeting in 2Money works at the category level. You set a budget for each category (groceries, dining, entertainment, subscriptions) and the app shows visual progress bars and overspending alerts as you enter transactions. Categories are customizable, and you can organize them in a structure that matches how you think about money. The app also supports wishlist items with savings linking: you can create a wishlist for something you want, link it to a savings account, and watch your progress grow toward the purchase.

Recurring transactions are automated. Set up your salary, rent, subscriptions, and regular bills once and 2Money creates them on your chosen schedule (daily, weekly, monthly, or custom). This handles both expenses and income, so you get a complete picture of what to expect.

For couples or roommates, the split bills feature lets you record shared expenses and specify who paid and who owes what. You can split equally, by percentage, or by custom amounts, and mark payments as settled once they have been reconciled. This is genuinely useful for tracking shared housing, group dinners, or any recurring split cost.

Smart Rules let 2Money learn from your spending. Create rules that auto-categorize transactions based on payee, keywords in the description, or transaction amount. The more you use it, the more the app suggests the right category, cutting down manual entry.

Spending controls go beyond budgets. You can set hard limits at three levels: per transaction (prevent any single purchase over a threshold), daily, and monthly. When a new transaction would breach a limit, the app alerts you immediately and asks if you want to proceed. Push notifications warn when you are approaching or have exceeded your daily or monthly ceiling.

Reporting is visual and built for exploration. Charts show spending breakdowns by category, trends over weeks and months, income versus expenses, and category analysis. You are not looking at a table; you are looking at patterns. Reports can be exported to CSV or PDF for deeper analysis or sharing.

Customization runs throughout. Pick from seven accent colors, five app icon designs, dark or light theme, and outlined or filled icon styles. The settings let you choose your currency format, calendar style, and how the navigation bar appears. Widgets let you see your finances without opening the app: seven home screen widgets, five lock screen widgets, and five Control Center controls show balances, budgets, spending, and savings goals at a glance.

Siri and Shortcuts integration adds voice commands. The app includes 11 voice commands you can give Siri (e.g., "log an expense," "what's my balance," "show today's spending"). You can also build custom Shortcuts to automate parts of your workflow.

Apple Pay integration is clever: using iOS Shortcuts automation, 2Money can detect Apple Pay transactions and auto-log them as expenses, so you do not have to manually type in every tap-to-pay purchase. This works especially well if most of your daily spending is via Apple Pay.

Accessibility is built in, not bolted on. The app supports VoiceOver for blind users, Dynamic Type for larger text sizes, Reduce Motion for users sensitive to animation, and Differentiate Without Color so color is never the only way to distinguish information.

The app is available in 41 languages, including Spanish, French, Portuguese, German, Italian, Russian, Japanese, Korean, Mandarin Chinese, Hindi, and Bengali, with full translation of screens, notifications, and labels.

Pricing is free download, no subscription required. The app is in beta, which means new features are coming but the core app is stable and in active use. There are no published tiers, no hidden costs, no upsells within the app.

2Money suits privacy-conscious people, particularly those in the Apple ecosystem (iPhone, iPad, Mac). It is ideal if you do not want your financial data on a bank-connected service or if you manage accounts that do not integrate with US banking networks. It is also a natural fit for couples or roommates who want to track shared expenses without signing up for a dedicated service. Users with a mix of currencies, significant cash spending, or non-traditional accounts (cryptocurrency, physical assets, foreign banks) will appreciate the flexibility.

The limitation is clear: no bank syncing means you enter everything manually or import from another app. If you have 20 transactions a week and all are from a bank account you want automated, a bank-sync app will save you time. 2Money assumes you are willing to log transactions, and that logging is part of your financial awareness rather than friction to avoid. For many people, especially those who have tried bank sync and found it invasive or inaccurate, that trade-off is worth it.