Two Bob follows your wages and invoices in, your bills out, puts the tax aside before you can spend it, and tells you the one number that matters: what's yours.
Most budget apps tell you what you saved and go quiet about the consequences. Two Bob shows both halves at once — put more away, and you see straight away what that leaves you for the week.
Drag it. This is the real thing, doing real sums.
That's the bit we liked. Nobody in 1953 needed a dashboard to understand two shillings. You had it in your hand, you knew what it'd buy, and you knew when it was gone.
Money got harder to hold since then. It arrives as a wage on a Thursday and an invoice paid whenever they feel like it. It leaves in eleven direct debits you signed up to years ago. Somewhere in the middle sits the tax you'll owe and haven't set aside. It's all real, it's all yours, and none of it is in your hand.
So we built the smallest honest thing we could: an app that adds it up, takes out what isn't really yours, and gives you back one number you can trust. Not worth much on its own. Worth knowing, though.
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, without making you pick a side.
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.
Switch on set-aside, pick your region, and every payment quietly loses its tax slice on the way in. AU and UK rates, plus super or pension, so October isn't a shock.
That's the whole point. The big figure up top is what's genuinely left after bills, tax and savings — the amount you can spend on a Friday without borrowing from next week.
No noise, no upsell in the middle of a task, no charts you'd need a finance degree to read.
Your balance isn't your money — some of it's already promised to the landlord. This is the figure with the promises taken out, and it's the first thing you see every time you open the app.
Self-employed money is never all yours. We skim the tax slice off each payment as it lands and keep it on its own serious-looking card, where it's harder to accidentally spend. AU and UK rates built in.
Everything due next, in order, with the total. Water, wifi, rent and the rest get their own colour so you can tell at a glance which week is the expensive one.
Nudge the slider, see the trade-off live — saved on one side, left to spend on the other. Find the percentage you can actually live with instead of the one that sounds impressive.
Point the camera at it and Two Bob reads the merchant, the amount and the date. It always shows you what it found before saving, because scanners misread things and your money shouldn't depend on a guess.
Week, fortnight, month or year — step backwards and watch in versus out as a plain bar chart. Useful for the argument you're having with yourself about whether last month was really that bad.
Not an American app with a currency dropdown bolted on. Australian and British pay cycles, tax bands, super and pension — set your region once and the sums are right.
Trends for the weeks behind you. A scan-and-confirm step for the receipt in your pocket.
We pulled these out of your receipt. Tap anything to fix it before saving.
Your income, bills and entries live in an encrypted Postgres database hosted on Supabase, 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 with RevenueCat handling receipts, so your card details never touch Two Bob at all.
Receipt photos are read on your phone, not ours — on-device text recognition fills in the fields, and the image itself never leaves your device for that purpose. Push notifications run through OneSignal, and product analytics through PostHog — event counts and screen names, not the contents of your budget.
Bank linking is coming later, through the regulated provider Basiq, 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 policySeven 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 freeNo renewal, no reminder email in three years. Pays for itself around year three, and you never think about it again.
Buy it onceAs safe as we know how to make it, and we'll tell you exactly how. Everything sits in an encrypted Supabase-hosted Postgres database with row-level security, so your rows are readable only by your account. Payments run through Apple, so we never hold card details. Analytics is event-level only — we can see that someone opened the Trends screen, not what their trends say. And nothing is sold to anyone, because the app is paid for and doesn't need an ad business.
Both, and both at once — which is the point. You can log a weekly or fortnightly wage and the three invoices you're chasing in the same app, and Two Bob totals them properly instead of pretending one kind of income doesn't exist. If you're employed and your tax comes out before you're paid, you can leave the set-aside switch off. If you invoice, switch it on and it holds back the tax slice for you.
Properly. Pick your region in Settings and the tax estimates use that country's bands, along with superannuation for Australia and pension contributions for the UK. Fortnightly pay cycles — normal in Australia, rarer elsewhere — are a first-class option rather than something you fake with a monthly setting. Estimates are estimates, mind: they're built to keep you from being caught short, not to replace your accountant.
On day seven you'll see a screen asking you to pick a plan, and until you do, the app pauses. Nothing gets charged automatically, because we don't take a card to start the trial — no quiet conversion on day eight. Your data stays exactly where it is: choose a plan next month and everything's still there, in order, waiting.
Yes, and not through us grudgingly — subscriptions live in your App Store account, so you cancel there in two taps and keep access until the period you've paid for runs out. Lifetime has nothing to cancel. Switching devices? Restore Purchases in Settings brings your plan back.
No. Two Bob works entirely on what you tell it — log a wage, an invoice, a bill, and it does the sums. Bank linking is coming through the regulated provider Basiq, and when it arrives it'll be read-only, opt-in, and something you can revoke in a tap. If you never want to connect an account, the app still does its whole job.
It's built for both from the same codebase. iOS goes first through App Store review, with Android following shortly after — join the waitlist and say which one you're on, and you'll hear the day it's live.
Two Bob lands on iOS first, Android just behind. Get on the list and you'll know the day it's out.
Join the waitlist