PennyPilot - Budget Tracker
Expenses, Bills & Net Worth
Free · Designed for iPad. Not verified for macOS.
Align every bill and subscription to one cadence and see what you can actually spend before your next paycheck.
PennyPilot shows you where your money actually goes — what you own, what repeats every month, and where this month is heading — without an account, an ad, or a server holding your finances.
SEE THE WHOLE PICTURE
• Net worth across every account, with snapshots you can take and a history to look back on
• A projection for the month, so you know where you land before you get there
• Budgets by category, upcoming bills, and progress toward savings goals
• A dashboard you can rearrange to put what matters to you at the top
ALIGN EVERYTHING TO ONE CADENCE
This is the part you won't find elsewhere. Re-express every recurring amount in a single cadence and compare things that were never comparable. See a quarterly insurance bill and a monthly subscription as what they each cost per paycheck. Daily, weekly, biweekly, twice a month, monthly, quarterly, semiannual and yearly are all supported.
TRACK WHAT REPEATS
• Salary, rent, subscriptions and bills post to your ledger automatically on schedule
• Every row shows its real amount and its converted per-cadence figure side by side
• Optional reminders before a bill is due
• Spot subscriptions hiding in your spending, with a direct link to manage or cancel them
SPLIT COSTS WITHOUT SHARING EVERYTHING
Split an expense any way you like, invite a partner or housemate to a shared group, and see who owes what. Shared through iCloud, between you and the people you invite. Only that group is shared — your accounts, balances and everything else stay yours alone.
UNDERSTAND YOUR SPENDING
• Category breakdowns with a donut chart and ranked percentages
• Net trend over time, and a forecast of the month ahead
• The annualized weight of your fixed commitments, in one number
• A calendar view of everything landing this month
• On devices with Apple Intelligence, a plain-language read on your spending, generated entirely on your iPhone or iPad
PRIVATE BECAUSE OF HOW IT IS BUILT
• No account. You never sign up, and there is no password to lose
• No ads, no analytics, no trackers, no third-party SDKs
• Nothing is sent to us — there is no server on our end to send it to
• Turn on iCloud Sync and your data goes to your own private iCloud, under your Apple Account, which we cannot read
• Lock the app behind Face ID, hide every amount with one tap, and blur your finances in the app switcher
• Erase everything from the device whenever you want
BRING YOUR DATA IN AND OUT
PennyPilot does not ask for your bank login, and does not use an aggregator — those route your credentials through someone else's servers. Instead, export a CSV statement from your bank and import it here. Columns are detected automatically and you review every row before it is saved. Export back out to CSV any time; nothing is locked in.
ALSO INCLUDED
• Home Screen widgets
• Full iPad layout with a sidebar, not a stretched phone app
• English and French
• Built with SwiftUI and designed for Liquid Glass on iOS and iPadOS 26
PennyPilot is a tracking and budgeting tool. It does not provide financial, investment or tax advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Added support for iPhone Duo
The developer, Efe Havza, 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
- Efe Havza
- Size
- 17.5 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English and French
- Age Rating
4+
- 4+
- Copyright
- © 2026 PennyPilot Inc.