Budgeting is boring. We make it fun. Track your money, share your wins, and meet people who actually get it.
twocents is the free budgeting app with a social feed – so you can track your spending, hit your savings goals, and share any of it anonymously with people going through the exact same thing. Plus, it’s all anonymous. No name, no face, just verified numbers.
Use it as a private budgeting tool. Or post to the feed when you feel like it. Either way, it's free.
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.
SECURE BY DESIGN
twocents connects to your bank through Plaid — the same infrastructure used by Venmo, Robinhood, and Coinbase. We see read-only transaction data. Nothing else. Ever.
Money is emotional. Emotions are better with an audience. Download twocents – where budgeting is anything but boring.
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…
Finally something new
M9yh3m
This is next level. An original idea finally.
Insightful & entertaining
Britt Bloommmmm.
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
Change my life
scootykins
My life was worthless before twocents. Then it came out I realized I’m rich as hell and now life has meaning
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.
Version 4.0
The developer, Two Cent Software Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
User Content
Identifiers
Usage Data
Sensitive Info
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Two Cent Software Inc.
Size
84.2 MB
Category
Social Networking
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.