Pennybeam: AI Money Companion
Voice Expense Tracker & Coach
Only for iPhone
Free · In‑App Purchases
iPhone
Speak your spending, see where it goes, and build everyday money habits with clear budgets and an AI companion by your side.
Make sense of everyday spending.
Pennybeam™ brings your expenses, budget and AI money companion into one place, so you can spend less time entering numbers and more time understanding them.
LOG EXPENSES YOUR WAY
Say or type what you spent, or add a transaction with quick entry. AI helps categorize expenses, and you can review and edit the results.
SEE YOUR BUDGET CLEARLY
Track income and spending, set category limits and see what remains. Review your accounts, recurring payments and savings goals alongside your transaction history.
TALK THROUGH YOUR SPENDING
Choose a companion with a personality that suits you. Ask about spending patterns, explore category breakdowns and reflect on your week with clear summaries.
BRING YOUR BANK STATEMENT
Attach a CSV, XLSX or text-based PDF in the companion chat. Choose the file's date, number and currency formats, review suggested categories, correct operations and confirm what to save. Possible duplicates are flagged. Scanned and password-protected statements are not supported.
BUILD EVERYDAY HABITS
Use weekly recaps, recurring payment records and widgets to keep your budget close at hand.
START FREE, ADD PREMIUM
Manual transaction entry and history are available free. Premium adds custom categories, extended analytics and additional companion looks. AI requests and statement imports have usage limits. Available plans, prices and any eligible trial are shown in the app. Subscriptions renew automatically unless cancelled through your Apple account.
AI features require an internet connection. Statement import uses files you choose; it does not automatically connect to your bank. This app does not execute trades or provide banking services.
Privacy Policy: https://smartvestapp.com/legal/privacy
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Support: https://smartvestapp.com/support
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
SmartVest is now Pennybeam.
A new way to understand your spending:
- Log expenses by voice, text or quick entry.
- Review bank statement operations and categories before saving.
- Explore clearer category budgets and weekly recaps.
- Talk through spending with your AI companion.
- Improved companion selection on small screens and with larger text.
AI requests and statement imports are subject to usage limits.
The developer, Dilmurat Zairakhunov, 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:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Dilmurat Zairakhunov
- Size
- 45.6 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later.
- iPhone
- Languages
- English and Russian
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pennybeam Premium Yearly $49.99
- Pennybeam Premium Monthly $9.99
- Pennybeam Premium Monthly $7.99
- Premium Yearly $149.99
- Premium Monthly $29.99
- Premium Weekly $9.99
- Copyright
- © 2026 SmartVest Academy