PlainMoney - Personal Finance

EqualInformation, LLC

In-app purchases

About this app

Plain-language money help that runs entirely on your phone.

PlainMoney turns budgeting, debt payoff, saving, and paycheck decoding into a private, offline skill — no bank account, no login, and no subscription required for the basics. Every number you see, you typed in yourself.

FOUR SCREENS, NOTHING TO LEARN
• Today — what's left until payday, your bills, and quick-add buttons for spending
• Learn — a full library of plain-language guides on budgeting, debt, saving, investing, taxes, insurance, and credit
• Safety — scam recognition, coercive-control and elder-exploitation signs, benefits guidance, and disaster recovery — always free, never gated
• Manage — paycheck setup, currency, text size, and the optional on-device AI model
• Two ways to every answer: a tappable "i" on any screen element, or the same guide in Learn

FREE, FOREVER
• 50/30/20 budget tool, spending and bill tracking, cash-flow calendar
• Debt snowball vs. avalanche payoff planner and a minimum-payment-trap calculator
• Emergency-fund and saving-goal calculators
• Paycheck decoder — see exactly where your take-home pay goes, line by line
• Federal tax estimator
• Savings-growth projector, built on real historical index-fund, bond, and T-Bill data — never invented numbers — for any mix you enter
• Optional on-device AI — turn on "Enable AI/SI/LLM," pick a small model, and get plain-language answers grounded in PlainMoney's own guides. Off by default; nothing you type ever leaves your phone
• Full Safety Net — scam patterns, "someone controls my money" and leaving-safely guidance, coercive-control and elder-exploitation signs, benefits and disaster recovery — never paywalled, never AI-dependent
• Log spending by typing, snapping a receipt photo, or speaking it — all processed on-device

PLAINMONEY PRO
Optional subscription unlocking specialized planning tools:
• Net worth tracker
• Financial independence (FI) number calculator
• Loan comparison
• Quarterly tax set-aside for gig and freelance income
• Cost-of-living and relocation comparisons
• Total cost of a car, cost of a child, and other big-decision calculators
• Household and shared-budget tools

WORKS THE WAY YOU DO
• Switch the money "lens" to any country — amounts convert and display using official European Central Bank and UN Treasury rates; the stored amount itself is never rewritten
• Text size scales up or down everywhere in the app
• Fully offline — the rate refresh and the one-time AI model download are the only things that ever touch the network, and both are optional

PRIVATE BY DESIGN
• No bank login, ever
• No ads, no analytics, no crash reporting, no data sold
• Every number stored only on your phone
• Only optional network activity: an exchange-rate refresh, and — if you enable it — a one-time AI model download. Nothing you type is ever sent anywhere

EXPLAINS, NEVER ADVISES
PlainMoney shows you how debt snowballs, how compounding works, what a 50/30/20 budget really means — it never tells you what to buy, sell, borrow, or invest in. That decision, and the information to make it, belongs to you.

Financial literacy shouldn't be locked behind expensive advisors, and it shouldn't cost your bank credentials or your privacy either. PlainMoney puts it in your pocket, for free, forever.

What’s new

Ask with on-device AI. Turn on "Enable AI/SI/LLM" under the Ask box on Today, pick a model, and get plain-language answers grounded in PlainMoney's own guides, computed entirely on your phone. It's off by default, the model downloads once, and nothing you type ever leaves your device.

Also fixed: the camera button in Add spending now opens the camera right away.