Privacy-first iOS finance app
Money Talks
A local-first personal finance app for iOS: encrypted on-device vault, account-aware ledger, bill splitting, and IOU settlement — no bank login, no ads, no data collection.
A strong case study should explain the workflow, the constraints, and the product judgment behind the interface.
Primary metric
76 unit tests · launch-ready
Product maturity
3/3 shipped signals
Role
Product design, money-logic architecture, full SwiftUI implementation, security model, and App Store launch preparation.
Challenge
Mainstream finance apps demand bank credentials and ship spending data to the cloud. The challenge was building a full-featured tracker — budgets, splits, IOUs, receipts, projections — where privacy is the architecture, not a setting.
Approach
Built SwiftUI-native around an encrypted local vault with Face ID unlock and a recovery phrase. Balances derive from the ledger itself: settling a debt records the money landing in a chosen account, splits debit the payer correctly, and refunds net out of budgets. Receipt OCR, bank-SMS import via Shortcuts, and widgets all run on-device.
Impact
A finance app whose privacy claims are verifiable: zero third-party SDKs, optional iCloud sync limited to an encrypted blob in the user’s private database, and a delete-everything control that includes the cloud copy.
Product snapshot
Money Talks
Product snapshot
Every money movement names its account and every balance is derived from real transactions, inside an AES-encrypted vault that never leaves the phone.
Highlights
- AES-GCM encrypted vault
- Account-derived balances
- Split bills and settle IOUs into real accounts