Help us put real financial literacy in everyone's pocket — no advisor, no bank account, no subscription required for the basics.
Plain-language money help that runs entirely on your phone — PlainMoney turns budgeting, debt payoff, saving, and paycheck decoding into a private, offline skill anyone can build, without ever linking a bank account.
PlainMoney is a personal-finance literacy app for iOS and Android, built and maintained by EqualInformation, LLC. It covers budgeting, debt payoff, saving goals, a paycheck decoder and federal tax estimator, a savings-growth projector built on real historical return data, and a full free Safety Net — scam patterns, coercive-control and elder-exploitation signs, benefits, and disaster recovery.
PlainMoney never links to your bank, never asks for a login, and never tells you what to buy, sell, or invest in — it explains how money works so the knowledge normally locked behind paid advisors, accountants, and financial planners reaches everyone instead. The everyday-use core and the entire Safety Net are free for everyone, permanently; an optional PlainMoney Pro subscription unlocks specialized planning tools for situations most people hit only occasionally. Your support helps us keep the free tier genuinely useful, expand coverage of real-world money situations, and keep every tool working entirely offline.
Every human deals with money — earning it, spending it, owing it, saving it. The financial literacy that makes those decisions easier is normally locked behind expensive gatekeepers: financial advisors, accountants, credit counselors, insurance brokers. Information shared is power shared, which is why PlainMoney exists.
The people who need this the most — the unbanked, the underserved, anyone living paycheck to paycheck — are the least likely to be able to pay someone to explain it to them. PlainMoney is built so the basics are free forever, work with no bank account or internet connection required, and never gate the Safety Net behind a subscription.
PlainMoney explains, it never advises. Every tool and guide shows the math or the mechanics — what a number means, how a calculation works, what a rule actually says — and leaves the decision to you, because that's exactly where it belongs.
No account, no bank-linking, no ads, no analytics. Every number in the app is one you typed in yourself, and it never leaves your phone.
Disclaimer: PlainMoney is an educational tool, not a substitute for professional financial, tax, or legal advice. It explains how money works; it doesn't tell you what to do with yours.
Tell us what helped, what was unclear, and which money situations or tools you would like to see next. Your feedback directly shapes the product.
Support continued development with monthly or one-time sponsorships directly through GitHub. 100% goes to the developer — no fees.
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Your voluntary contribution helps cover development tools, testing devices, app store fees, and ongoing maintenance. Every amount makes a difference.
No features or services are unlocked by a donation. PlainMoney's everyday-use core and full Safety Net are free for everyone, with no ads. PlainMoney Pro is a separate, optional subscription for specialized planning tools. Donations are entirely voluntary and do not create any obligation, entitlement, or guarantee of specific features or outcomes.