OneTruth Money
One number you can trust.
Bills, budgets, and income become one Safe to Spend — the same number on every phone in the household, right on the lock screen. One truth, not five apps and a guess.
Coming soon to the App Store · Members join free, unlimited
Monday, June 8
9:41
Safe to Spend
$1,284.50
Live · on every phone
What is OneTruth Money?
The short answer
OneTruth Money is an iOS personal-finance app for people who share money. It tracks your bills, income, and budgets, and turns them into one number — Safe to Spend — that lives on every Member’s lock screen and updates the moment anything changes. It just works. No setup.
01Safe to Spend
Why this number holds.
The math is deliberately boring: your real available cash, minus upcoming bills, minus Keep in Account, minus pending charges and Money Requests. What remains is what you can spend right now without breaking anything.
It recomputes as life does — a bill gets paid, a paycheck lands — and every Member sees the same figure. Not a per-person version of the truth. One number.
This period
- Income this period
- $4,120.00
- Upcoming bills
- −$1,986.00
- Keep in Account
- −$540.00
- Pending & Money Requests
- −$309.50
- Safe to Spend
- $1,284.50
02The same number, two phones
Mark a bill paid on one. It’s already true on the other.
No screenshot, no “did you see it?”, nothing to open. The number you both trust settles on every phone at once.
Live demo: two iPhones show the same Safe to Spend number. When the water bill is marked paid on one, the number updates on both — the same figure on every phone.
Live demo
03Everything in the app
Ten features. One plan. No upgrades.
There's no “pay more for the good stuff.” Every plan includes the full app — these four are the ones nothing else does.
Safe to Spend
Real cash minus everything already spoken for — one number. You know right now.
Bill tracker
Every due date ranked by what's next, with a reminder at exactly the right moment.
Pay-with-Anyone
One tap copies the exact amount and opens Venmo, Zelle, Cash App, or your bank.
Shared lock-screen widgets
The same number on every phone in the workspace — nobody has to open an app.
And the rest — included in every plan
AI assistant
Ask in plain language; the on-device assistant adds the bill or logs the income.
Subscription tracker
New recurring charges surface with proof lined up — confirm or refute in one tap.
Workspaces
Personal, family, side hustle, LLC — separate spaces, one subscription.
Shared Goals
Everyone sees the same progress, the moment anyone contributes.
Income & net worth
Income and expenses against the bills they pay; year-end totals ready for taxes.
Privacy & security
Encrypted in transit and at rest, no ad tracking. Your data stays yours.
04Members
Nobody has to be the bad guy.
Everyone you invite joins as a Member — free and unlimited, paid for by one subscription. Each Member has their own login and their own account; what they share is the number, not their passwords.
The activity feed records facts — the water bill is paid, the paycheck arrived — never who to blame. The ledger does the talking, so no one has to.
Activity
- Water bill marked paid−$55.00
- Moved to Travel Savings−$200.00
- Paycheck arrived+$2,060.00
Every Member sees the same feed, the moment it changes.
05Workspaces
One shared-money engine, many rooms.
A household, a rent split, a trip, a side gig — each keeps its own number and its own people. The college fund and the payroll never meet.
Household
Safe to Spend
$1,284.50Rent, utilities, groceries — the shared basics, on everyone’s phone.
3 people
06Privacy by architecture
What happens at your table stays at your table.
Your money lives on your phone first. The cloud is a sync layer, not a surveillance layer — and there's no ad business here to feed.
No ads, ever
No Meta Pixel, no Google Ads SDK, no third-party analytics — verifiable in the app bundle.
We never sell your data
Your data is the product you bought, not the one we sell. There is no data-broker business here.
On-device-first intelligence
Your AI runs on your phone first. The cloud is a sync layer, not a surveillance layer.
Your data leaves with you
Export everything, delete everything — anytime, no questions asked.
Pricing
One subscription. Every lock screen.
Monthly
$14.99 /month
The full app. Nothing held back.
Yearly · save 28%
$129 /year · about $10.75/mo
Includes a 7-day free trial — yearly plan only.
Members are free and unlimited on both plans. See the full breakdown →
Common questions
Asked before downloading.
- What is OneTruth Money?
- OneTruth Money is an iOS personal-finance app for people who share money. It tracks your bills, income, and budgets, and turns them into one number — Safe to Spend — that lives on every Member’s lock screen and updates the moment anything changes. It just works. No setup.
- How does Safe to Spend work?
- 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.
- Do Members pay for OneTruth Money?
- No. One subscription covers the whole workspace. Everyone you invite joins as a Member — free and unlimited, with their own login and their own account. Members see the same Safe to Spend, mark bills paid, and follow every change in the activity feed.
- 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 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.
More in the Help Center →
Be first to know
Know the moment it ships.
One email per launch. No marketing newsletter, no drip series.
Coming soon to the App Store · Members join free, unlimited