Expense tracker · Spending tracker
The expense tracker that ends in one number.
Most expense trackers stop at a list of what you spent. OneTruth Money counts every expense against Safe to Spend — the number that already includes your bills — on every Member's lock screen, the moment it changes.
Coming soon to the App Store · Members join free, unlimited
How does OneTruth Money track expenses?
The short answer
Link your bank accounts read-only through Plaid and spending is auto-categorized as it lands. Fix a category once and the same merchant lands right the next time. Every expense is then counted against Safe to Spend — the one number that already includes your upcoming bills — so tracking actually changes what you decide to spend.
Auto-categorized
Where does the typing go?
Away. Link your accounts read-only through Plaid and spending is auto-categorized as it lands. When something files wrong, fix it once — the same merchant lands in the right category the next time it shows up.
Bills you scan or add by hand join the same picture, so the spending view is the whole story — not just what came through the bank.
This month
- Groceries
- −$512.40
- Dining out
- −$186.20
- Gas & transit
- −$148.25
- Subscriptions
- −$31.97
- Spending so far
- −$878.82
This period
- Income this period
- $4,120.00
- Upcoming bills
- −$1,986.00
- Keep in Account reserves
- −$540.00
- Pending & Money Requests
- −$309.50
- Safe to Spend
- $1,284.50
Safe to Spend
What should tracking change?
The decision. A spending list tells you the past; Safe to Spend tells you now — your real available cash minus upcoming bills, Keep in Account reserves, and pending charges and Money Requests. Every expense you track moves that number.
It lives on the lock screen of every phone in the workspace, so “can we afford this?” has one shared answer instead of two guesses.
Subscription tracker
What about the charges that slip by?
Yes. Smart Verification surfaces a new recurring charge the moment Plaid sees it, with the evidence lined up — so you confirm or refute it in one tap before a trial quietly converts. Confirmed subscriptions are tracked and counted against Safe to Spend like any other bill.
Common questions
Expense tracking, asked plainly.
- How does OneTruth Money track expenses?
- Link your bank accounts read-only through Plaid and spending is auto-categorized as it lands. Fix a category once and the same merchant lands right the next time. Every expense is then counted against Safe to Spend — the one number that already includes your upcoming bills — so tracking actually changes what you decide to spend.
- What is Safe to Spend?
- Safe to Spend starts with your real available cash, then subtracts upcoming bills, Keep in Account reserves, and pending charges and Money Requests. What's left is what you can spend right now without breaking anything — and everyone in the workspace sees the same figure, the moment it changes.
- Does it catch subscriptions and recurring charges?
- Yes. Smart Verification surfaces a new recurring charge the moment Plaid sees it, with the evidence lined up — so you confirm or refute it in one tap before a trial quietly converts. Confirmed subscriptions are tracked and counted against Safe to Spend like any other bill.
- Can two people track spending together?
- That's the point. One subscription covers the whole workspace; everyone you invite joins as a Member — free and unlimited, with their own login and their own account. Every Member sees the same Safe to Spend on their lock screen, and the activity feed records facts, never blame.
- How much does OneTruth Money cost?
- $14.99 a month, or $129 a year — about $10.75 a month, a 28% saving. The yearly plan includes a 7-day free trial. Every feature is in both plans, and Members are free.
- Is my spending data private?
- Yes. There are no advertising trackers, no ad pixels, and no Conversions APIs — ever. Bank credentials never leave Plaid, the assistant runs on-device wherever possible, and your data is never sold or used for ads.
OneTruth Money
Track less. Know more.
One number that already includes the bills — on every phone that shares it.
Coming soon to the App Store · Members join free, unlimited