Meet Penny, your sassy AI financial sidekick! Budgeting? Ain't nobody got time for that! Penny automatically tracks your spending, categorizes everything, and keeps you on track – with minimal effort from you. Forget those other apps that demand your constant attention. Penny lives right in your iMessage, so you can check your finances, ask questions, and get instant answers without even opening an app.
Need to know if you’ve blown through eating out? Just shoot her a message and she’ll even come up with past spending patterns so you can make your own decision if that fancy steak can wait – or not!
PASSIVE PERSONAL FINANCE – Our Mantra
We leverage the power of AI to give you the financial insights you need, so you can focus on life and not on staring at charts.
AI-powered spending categorization that learns your preferences
Ask Penny to create categorization rules in plain English
Forecasts future spending and alerts you when you're overspending
Track your spending by relying on Penny's Insights
AI-POWERED SPENDING CATEGORIZATION
We've trained Penny on millions of establishments to accurately categorize your spending. Over 90% of your purchases will be automatically and accurately categorized with no effort from you. For those tricky businesses that sell a bit of everything, we've got you covered! Penny analyzes their typical sales to suggest the most likely categories, saving you from scrolling through endless category lists.
We're all different, and you can tell Penny how you want things categorized – in plain English! Walmart trips are groceries? Got you covered! Penny learns from your actions and adapts to your preferences.
FORECAST SPENDING AND FINANCIAL INSIGHTS
With no work from you, Penny builds a picture of your spending habits. This gives her a unique understanding of your spending patterns, highlighting areas where you might be overspending or even underspending to reach your financial goals. We don't believe in unattainable budgets. Penny guides you to spend sustainably on what makes you happy and less on things you could care less about.
She'll even find those pesky subscriptions and remind you if you're still using them. Penny will reach out in iMessage, just like a friend.
APP DESIGNED TO BE OUT OF YOUR WAY
We've designed the app's home page to provide instant, simplified information. A single tap on the chart drills down into the details if you want to take a closer look. We've made a significant effort to make the app immediately useful, so you don't have to spend precious minutes just to see if that refund came in. Maybe you shouldn't be using the app at all – just ask Penny!
Everything's in the Dashboard: Penny even explains why those few purchases couldn't be categorized. Maybe the establishment sells a wide variety of things, or perhaps you spent an unusually high amount there.
PENNY IS STILL LEARNING
We've done our best to make Penny accurate, clear, and even funny, but we're still in early Beta. We can only support a limited number of users, so you might be put on a waitlist as our AI servers get up to speed. We don't track investments yet, but that's on the roadmap. We want Penny to be helpful in your day-to-day spending decisions, not just your investment strategies – but we'll get there!
Shape Penny's Future
Tell us how you want to shape Penny – by telling Penny directly! We are in the early days of our journey to help you passively manage your spending so you can maximize happiness in your life.
I've been using Hey Penny for a few months now, and it's truly the future of smart saving. This app makes budgeting effortless with automated savings, real-time expense tracking, and a user-friendly interface that simplifies money management. Unlike other finance apps, Hey Penny learns your spending habits and helps you save without even thinking about it. Plus, the developers are constantly updating and improving features, making it better by the minute. If you're looking for an easy and effective way to take control of your finances, Hey Penny is the way to go!
Developer Response
We’re a dream team, Godlover505! Thanks for letting me help you navigate your finances without the headache.
This is definitely NEXT LEVEL
Joney0916
I used to use Mint but then they shutdown. Penny app is in an entirely different ball game of convenience.I’ve been using it for a few months, and I honestly barely use the app and instead rely on Penny AI a lot through iMessage.It’s more like a friend really that I can share my financial plans and spending and it can tell me if I’m going over I had of time versus after I did the spending. The app and Penny has some quirks sometimes though and just needs nudging.
Developer Response
Who needs a boring lecture when you’ve got me in your pocket, Joney0916? Let’s keep making those smart money moves together!
love this app
MelaneND
HeyPenny has completely changed the way I manage my finances. It’s like having a personal financial assistant in my pocket. One of my favorite features is how app breaks down my expenses in a way that actually makes sense. No more guessing where my money went! Plus, the AI offers helpful tips to keep me on track without being overwhelming.
Developer Response
Living stress-free looks good on you, MelaneND. I'll keep an eye on the categories so you can focus on the fun stuff!
Financial Buddy at My Fingertips
K0MIKS!!
This app does what a human financial advisor would do for you.. track and categorize my expenses and help me budget accordingly or advise me for overspending etc.. an amazing app to have handy! So u can live stress-free and spend responsibly! 😊👌💰💵
Developer Response
I promise to keep being the best financial sidekick ever, K0MIKS—minus the stuffy suit and tie!
Penny's Promise: Managing Your Money, Made Easy.
- Budgets & Goals is now ready for you!
- Explore with Confidence: New Demo Mode lets you see how the App works, no bank linking required.
- Penny Highlights & Insights is now available for all accounts!
- New look & feel
- Simpler Onboarding
Version 1.1.15
The developer, Mula AI Corp, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
