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OneTruth Money · iOS app

You know right now where the money stands. So does everyone who shares it with you.

OneTruth Money — bills, budgets, Safe to Spend, on every co-decider's lock screen, the moment it changes.

Like Life360 — but for your money.

Download for iOSHow it works
  • Bank-level encryption
  • On-device AI
  • Sign in with Apple
  • No ads, ever
Two iPhone lock screens side by side, both showing the same Safe to Spend of $284 with a 'Synced 2 seconds ago' indicator.

Same number. Every phone. The moment it changes.

  • Plaid-secured
  • Apple Pay accepted
  • Your data is never sold
  • 7-day free trial
  • Cancel anytime

The problem

Why finance apps haven't fixed the #1 thing couples fight about.

Money is the #1 source of conflict in relationships. Most apps solve information problems by making one person more informed — finance has stayed weirdly stuck on individual tracking.

Mint

Shut down. No shared layer in the first place — pure aggregator.

YNAB

Hours of setup and a religion. Powerful, but solo by default.

Splitwise

Splits bills. Doesn't answer 'are we okay?' or live on the lock screen.

The shift

The unlock is the lock screen.

WidgetKit, Live Activities, and App Intents finally make it possible to put a live, interactive, shared piece of financial truth on every co-decider's phone — without forcing anyone to open an app. This is what Life360 did for location. OneTruth Money does it for money.

Safe to Spend

One number you can actually trust.

Subtract every upcoming bill, reserve, and savings goal from your real available cash, across any timeframe you choose. The number updates as life does — so it's right before you spend, not after.
  • Across any timeframe — today, this week, this month
  • Long-press any number to see exactly why it's that number

How Safe to Spend works

Safe to Spend dashboard with a 7-day breakdown of upcoming bills and reserves.

Pay with anyone

One tap to Venmo, Zelle, Cash App, or your bank.

The Pay Sheet opens with the paths you saved on the bill, then a Send With grid. One tap copies the exact amount and launches the right app — then offers to mark the bill paid when you come back.
  • Venmo · Zelle · Cash App · PayPal · your bank app
  • Mark paid in one tap; every co-decider's widget updates

See one-tap pay

Pay Sheet showing saved payment paths above a Send With grid of Venmo, Zelle, Cash App, and PayPal.

AI assistant

Manage your money in plain language.

Ask the assistant to add a bill, log income, or scan a receipt and it gets it done — 100+ actions, on-device with Apple Intelligence wherever possible. It's never trained on your data.
  • On-device first; your full picture stays on your phone
  • 100+ actions across bills, income, scans, and notes

Meet the assistant

AI assistant thread showing a plain-language request to add a recurring bill and its confirmation.

And everything else

Included in every plan.

There's no “upgrade for the good stuff.” Both plans include the full app — these are just the favorites.

See all 10 features

  • Smart Bill Scanner

    Multi-page PDF capture, on-device OCR auto-fill, smart filenames, searchable PDFs, and a 4-corner re-crop.

  • Documents Hub

    An Apple Files-style library with smart folders, peek preview, and 30-day Recently Deleted.

  • Universal Search

    Pull down on Home and type anything — bills, notes, documents, reserves, goals, even settings. Recents stay on your device.

  • OneTruth Live

    The shared widget layer. Same number, every phone, the moment it changes.

A day in the life

Same number, all day.

  1. Stage 1

    Morning

    You wake up, glance at your lock screen, see Safe to Spend $1,247.

  2. Stage 2

    Midday

    Your partner pays the electric bill — your widget ticks down $142, no text needed.

  3. Stage 3

    Afternoon

    AI assistant: 'Move $200 to Travel Savings.' Done.

  4. Stage 4

    Evening

    Family dinner. The Safe to Spend number is the same on every phone at the table.

Pricing

Free for everyone you invite.

Monthly

$14.99 /month

Everything in OneTruth Money. Bills, budgets, Safe to Spend, AI assistant, scans, documents, shared workspaces, lock-screen widgets.

Subscribe monthly
Best value · 7-day free trial

Yearly

$129 /year

Save 28% vs monthly · about $10.75/mo

  • Shared lock-screen widgets + Live Activities
  • Live shared workspaces + activity feed
  • Plaid bank linking + Smart Verification
  • Members invited free, unlimited
  • Priority support
Start 7-day free trial

One subscription typically lights up 4–8 lock screens. Members are free and unlimited — invite anyone from inside the app. See the full breakdown on the pricing page.

Frequently asked

The questions we hear most.

See all 100+ FAQs in the app — or browse the Help Center →

Ready to be on the same page?

Open the App Store from your iPhone, or get a launch reminder right in your inbox.

Download on the App Store

or

OneTruth Money · 7-day free trial

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