PrivatePenny
Finance Tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Manual entry = mindful spending. Track expenses, crush savings goals, split bills, and get AI purchase advice - all without sharing your bank login.
Your money. Your rules. No bank login required.
PrivatePenny turns manual expense tracking into a rewarding habit. Instead of handing your bank credentials to yet another app, you stay in control - and the experience is worth every tap.
PRIVACY FIRST, ALWAYS
- No bank connections. No data selling. No tracking.
- All data stored on your device with iCloud sync
- On-device AI - your financial data never leaves your phone
- End-to-end encrypted via CloudKit
QUICK & EFFORTLESS ENTRY
- 3-tap transaction logging: Amount, Category, Done
- Siri Shortcuts & Action Button support - log expenses without opening the app
- Home Screen and Lock Screen widgets for instant access
- Smart category suggestions based on time of day
- Import bank transactions via Apple FinanceKit when you want to
SAVINGS GOALS THAT MOTIVATE
- Set a goal with a photo of what you're saving for
- Watch the image gradually reveal as you save - mosaic tiles, blur-to-clear, grayscale-to-color, or bottom-up fill
- Milestone celebrations at 25%, 50%, 75%, and 100%
- Earn holographic stickers for every completed goal
- Share beautiful achievement cards with friends
"SHOULD I BUY THIS?" AI ADVISOR
- Get instant, personalized purchase advice powered by on-device AI
- Analyzes your actual spending patterns, savings goals, and upcoming bills
- Works for purchases and loans - including installment plans
- Three verdict levels: Go For It, Think Twice, or Not Recommended
- All analysis happens on your device - completely private
SPENDING HIGHLIGHTS REELS
- Weekly, monthly, and yearly spending stories - like Spotify Wrapped for your money
- Swipeable, visual cards with insights, trends, and fun spending personalities
- Shareable summaries with optional amount hiding for privacy
- AI-generated commentary that celebrates wins, not guilt
LOANS & SUBSCRIPTIONS TRACKER
- Unified view of all recurring payments with a calendar
- Loan payoff strategies: Snowball vs. Avalanche comparison
- Refinance calculator with breakeven analysis
- Extra payment projections showing months and interest saved
- Payment reminders so you never miss a due date
SPLIT EXPENSES WITHOUT THE AWKWARD
- Create groups for roommates, trips, or any shared spending
- Equal, custom, percentage, or itemized splits
- Running balances per person - always know who owes what
- Settle up and keep clean records
MULTI-CURRENCY SUPPORT
- 150+ currencies with live exchange rates
- Track spending across currencies when traveling
- Automatic conversion for reports and totals
EXPORT YOUR DATA
- CSV and JSON export - your data is always yours
- No vendor lock-in, ever
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Fixed in app purchase bug
The developer, Islam Seisembay, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Islam Seisembay
- Size
- 16.1 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
English and 2 more
- English, Kazakh, Russian
- Age Rating
9+
- 9+
- In-App Purchases
Yes
- Premium Yearly $39.99
- Premium Monthly $4.99
- Copyright
- © Islam Seisembay