A Budget App That Respects Your Privacy
Set a limit, split it across categories, and see exactly where your money goes. No signup, no bank login, no spreadsheets. Just a clear monthly budget planner that works offline.
Envelope budgeting without the busywork
Money Talks brings the clarity of envelope budgeting to your phone. You set one limit, then split it across the categories that matter to you, like groceries, rent, transport, and fun. Every time you log an expense, your category budgets update with real-time progress so you always know what is left before you spend it.
A budgeting app with no bank connection
You stay in control of your data. Money Talks is anonymous-first, so you can start budgeting in seconds with no signup and no bank login. Because nothing depends on a bank feed, the app works fully offline and your numbers stay private on your own devices. This is budgeting that respects you, not a tool that mines your transactions.
Gentle warnings before you overspend
Good budgeting should catch problems early. Money Talks sends you a gentle warning at 70% of a budget and again at 90%, so you can ease off before you blow past the limit. No guilt, no shouting, just a quiet heads-up that helps you stop overspending before it happens.
Daily, weekly, monthly, or yearly periods
Your budget should match your life. Set a budget period that is daily, weekly, monthly, or yearly, and let Money Talks track progress across that window. Use it as a monthly budget planner for everyday spending, or set a yearly limit for the big annual costs you want to stay ahead of.
Close the month and roll savings forward
When a period ends, a guided closure wizard walks you through what to do next. First it helps you cover any overspending so the books balance, then it lets you roll your leftover savings into next month or send it straight into a savings goal. Closing the month becomes a calm, satisfying ritual instead of a chore.
Frequently asked questions
Do I need to connect my bank?
No. Money Talks is a budgeting app with no bank connection. There is no signup and no bank login. You add what you spend yourself, so your data stays private and the app keeps working even when you are offline.
What budget periods are supported?
You can set a budget for a daily, weekly, monthly, or yearly period. Pick whatever matches how you think about your money, then split the limit across your categories and watch real-time progress.
What happens to money left over at the end of the month?
When a period ends, a guided closure wizard helps you cover any overspending first, then roll your leftover savings into next month or send it straight into a savings goal. Nothing slips through the cracks.
Is it free?
Yes. Money Talks is a free budgeting app for iPhone, iPad, and Mac on iOS 17 and later. No spreadsheets, no bank linking, no account required to start.