Know what's actually left.
Two Bob follows your wages and invoices in, your bills out, and the cash in your pocket — then gives you the one number that matters: what's available to spend today. Goals, streaks and your tax estimate sit right underneath it.
Log it, and watch the goal fill in.
Most budget apps tell you what you saved and go quiet about the consequences. Two Bob shows both halves at once — send more into a goal, and you see straight away what that leaves you for the week.
Tap it. It's the same sum the app runs every time you log money against a savings goal — no rounding, no optimism.
From a blank app to a number you'd bet on — about ten minutes.
Tell it what comes in
A wage, a fortnightly shift, an invoice you've sent and are still waiting on. Two Bob handles regular pay and lumpy self-employed income in the same list. Only know the yearly figure? The take-home calculator turns it into per-week, per-fortnight or per-month — before and after tax.
Add the bills you can't dodge
Rent, power, phone, the streaming service you forgot about. Each one gets a due date, so the app knows what's already spoken for before you go anywhere near it.
Keep the tax in plain sight
Two Bob estimates what you'll owe from what you've actually earned this tax year, then tracks what you've genuinely put by against it — on a deliberately serious dark card that's harder to raid. AU and UK bands, plus super or pension, so October isn't a shock.
Open it and read one number
That's the whole point. The big figure up top is what's left this pay cycle with the bills held back and the cash in your pocket counted in — the amount you can spend on a Friday without borrowing from next week.
Everything in one honest little app.
No noise, no upsell in the middle of a task, no charts you'd need a finance degree to read.
Three screens, and not one of them needs explaining.
Where the money actually went, what you're putting it aside for, and the bill you're halfway through adding.
A money app should tell you where your money app keeps things.
Your income, bills and entries live in an encrypted Postgres database, and every row is locked to your account — nobody browses anyone else's numbers, including us, outside of a support request you've asked for. Payments go through Apple's In-App Purchase system, so your card details never touch Two Bob at all.
Receipt photos are read on your phone, not ours — Google's ML Kit does the text recognition on-device and fills in the fields, so no image is ever sent away to be scanned. If you keep the photo with the bill, it's stored in a private bucket only your own account can open. Push notifications and product analytics run in the background — event counts and screen names, not the contents of your budget.
Bank linking is coming later, through a regulated Open Banking data provider, and it will be read-only, opt-in, and revocable in a tap. We don't sell your data. There's no advertising business here to feed — you pay for the app, and that's the whole model.
Read the full privacy policyOne price, the whole app. Nothing locked behind a better plan.
Seven days free with everything switched on. If it hasn't earned its keep by day seven, walk away — nothing to cancel, no card taken up front.
Month to month, cancel in Settings whenever you like. Good if you want to keep it on a short leash.
Start 7 days freeThe one most people land on. Pay once a year, forget about it, get every update as it ships.
Start 7 days free
