Penny: AI Budget Planner

Expense Tracker & Money Saver

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Build the budgeting habit you've been postponing. Daily streaks, instant badges, AI insights, and zero spreadsheets. Join thousands tracking smarter, and sleeping better. Stop wondering where your money went. Penny is the AI-powered budget app that tracks every expense, scans your receipts with the camera, forecasts your future balance, and rewards your daily habits with badges - all in one beautiful, free app. Whether you're trying to pay off debt, save for a house, or just stop the monthly mystery of "where did it all go?", Penny gives you the tools and the AI insights to actually understand your money - not just record it. WHAT MAKES PENNY DIFFERENT AI THAT ACTUALLY HELPS - AI Personality Reports: discover your unique spending personality every month - AI Savings Goals: set a goal, get a realistic success probability - AI Receipt Scanning: snap a photo, Penny extracts everything - Smart spending insights tailored to your habits EVERYTHING YOU NEED, IN ONE APP - Track expenses and income in 150+ currencies - Multiple accounts: cash, bank, savings, credit cards, investment, digital wallets - Account-to-account transfers (don't pollute your reports) - Recurring transactions for rent, salary, subscriptions - Bills with smart reminders, never miss a due date - Cash Flow Forecast: see your balance 30/60/90 days into the future - Stocks and crypto watchlist with live prices - Subcategories for finer tracking (Food, Restaurants, Coffee, Delivery) - Receipt scanning that fills the form for you BUILT TO BUILD HABITS - Earn streak badges as you log daily: 1, 7, 30, 90, 365 days and beyond - Visual streak tracker on the home screen - Push notifications celebrate every milestone - Just like Duolingo, but for your money SHARE WITH YOUR FAMILY - Household mode with role-based permissions (Owner, Editor, Viewer) - One database, multiple devices, real-time sync - Perfect for couples, families, and roommates WEB DASHBOARD INCLUDED, FREE - Open Penny in any browser at pennybudget.app/dashboard - Same account, real-time sync with mobile - Full feature set on a bigger screen PRIVACY YOU CAN TRUST - Face ID and Touch ID protection - End-to-end encrypted Firebase storage - We never sell your data, ever - No ads, no trackers, no nonsense BUILT FOR THE WORLD - 150+ currencies with live exchange rates - Safely change your base currency anytime, all data converts automatically - Available in English, French, Arabic (RTL), and Spanish FREE TO START Penny is free to download and use. Premium AI features (personality reports, AI savings goals, advanced spending plans) are available for $4.99/month with a 14-day free trial, or $149.99 once for lifetime access. Penny Premium is an auto-renewing subscription. • Payment is charged to your Apple ID at confirmation of purchase. • The subscription renews automatically unless canceled at least 24 hours before the end of the current period. • Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://pennybudget.app/terms-and-conditions.html Privacy Policy: https://pennybudget.app/privacy-policy.html BONUS: 100+ FREE FINANCE GUIDES Visit pennybudget.app/blog for 100+ free articles on budgeting, saving, investing, crypto, debt, and money mindset, written by the team behind Penny. GET STARTED IN 60 SECONDS Download. Sign up. Add your first expense. Watch Penny do the rest. Questions? Visit pennybudget.app/contact or read our privacy policy at pennybudget.app/privacy Built with care by the Penny team.

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- Link your bank securely with Plaid and pull in your transactions automatically. US and Canada supported. - You're in control: bank transactions land in the Banks tab first. Review them, then choose exactly which to add to your expenses, or push them all at once. - Filter what you review by search, money in/out, and currency. Amounts convert to your main currency automatically. - Disconnect a bank anytime, and choose whether to keep or delete its imported data. - Fixed the Ask Penny chat so your typing always stays above the keyboard.

The developer, joseph hamawi, 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
    • User Content
    • Identifiers
    • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
  • joseph hamawi
Size
  • 47.2 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Lifetime subscription $149.99
  • Penny Premium $4.99
Copyright
  • © 2025 Penny