Penny - On-Device Money Friend
Your private money companion
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Now with net worth. Drop in a statement, add what you own — Penny reads it all on your iPhone and shows what you spend and what you're worth. Nothing is uploaded.
Penny reads your bank statements and turns them into plain-English answers — entirely on your iPhone. Nothing ever leaves your device. No account, no cloud, no tracking.
Just tap to upload a PDF or CSV from any bank. Penny detects the bank, categorises every transaction, and learns your corrections. Then ask it anything:
• "Can I splurge right now?"
• "Where's my money leaking?"
• "Which subscriptions am I not using?"
• "Roast me."
WHAT PENNY DOES
• Works across all your accounts — spot patterns your bank apps can't show alone
• Finds ghost subscriptions you forgot you're paying for
• Tracks your salary, savings rate, and what's safe to spend
• Beautiful spending breakdowns and month-on-month trends
• Powered by Apple Intelligence, on-device — your data stays yours
PRIVATE BY DESIGN
Penny has no servers and no sign-in. Your statements, transactions and questions are processed on your iPhone's Neural Engine and stored only on your device. Wipe everything any time.
Your money, understood.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Penny now sees your whole money picture — not just what you spend, but what you're worth.
• Net worth is built in: add accounts, property, pensions, investments and debts, in any currency
• Ask Penny things only your combined picture can answer — "can I afford this?", "how's my emergency fund?", "where's my worth heading?"
• A cleaner, quicker setup, and a new "start a fresh chat" button
• Everything still runs entirely on your iPhone. Nothing is uploaded.
The developer, Confidant PA, 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
- CONFIDANT PA LIMITED
- Size
- 4 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
- Age Rating
4+
- 4+
- Copyright
- © 2026 Confidant