There is a number somewhere — the real one. The one that accounts for the savings account you opened in Poland, the Revolut balance in euros, the Ukrainian hryvnias you left in Monobank, and the current account you still use back home. Most finance apps give you a fragmented view of one country, one currency, one bank. EveryPenny brings all of it into one calm, honest total.
WHAT EVERYPENNY DOES
• One True Total. Connect all your accounts and see a single net worth figure in any currency you choose, updated with live exchange rates. EUR, UAH, PLN, GBP and more — no manual conversions, no spreadsheet.
• Crypto, in the same total. Connect Bybit with a read-only key — your coins and Bybit Card spending sit beside your bank accounts. Penny can read; it can never trade or withdraw.
• Free in Ukraine. Monobank and Bybit connect at no cost — the full app. Penny+ covers European bank connections, which we pay for per bank.
• Subscription Scanner. Every recurring charge across every connected account, surfaced in one place. The streaming service you forgot about, the SaaS trial that converted, the insurance that renewed — Penny finds them and shows you what you are actually spending every month.
• Privacy by design. EveryPenny does not run ads. It does not sell your financial data. It does not share transaction information with advertisers or data brokers. The business model is a subscription you pay — which means the product works for you, not around you.
• Multi-currency on every transaction. Every transaction is tagged with its original currency and converted at the rate that applied when it happened. See your spending in local currency or in your home currency — your choice, always.
• Bank sync via Open Banking / PSD2. Connect your real bank accounts through secure, regulated Open Banking connections. Read-only access — EveryPenny never touches your money, it only reads the picture.
• Budgets and calm nudges. Set monthly limits by category. Penny — the app's small, thoughtful guide — will let you know when you are getting close, without alarm. No red banners, no stress scores. Just a quiet heads-up.
• Built for life between countries. Whether you have three accounts across two countries or five currencies in daily use, EveryPenny is designed for the reality of modern financial life — where home is complicated and money follows you across borders.
ON PRIVACY
EveryPenny is funded entirely by subscription. That means there are no advertising partners, no data licensing arrangements, and no incentive to harvest behavioral data. Your transaction history, account balances, and spending patterns are used to power features inside the app — and nowhere else. No ad identifiers. No third-party analytics that know your name. The full privacy policy is available at everypennyapp.com/privacy.
WHO IT IS FOR
EveryPenny is for people whose financial lives do not fit neatly inside one country or one currency. Ukrainians living in Poland, Germany, or the Czech Republic who still hold accounts back home. Expats managing salaries in one currency and rent in another. Digital nomads who have accumulated a small collection of Revolut, Wise, and local bank accounts over the years. Anyone who has ever opened a spreadsheet just to answer the question: how much money do I actually have right now?
If your finances live in more than one place, EveryPenny is the one place to see all of them.
TO GET STARTED
Download EveryPenny, connect your first account, and see your actual total. The app walks you through each step, and Penny is patient. There is no pressure, no upsell the moment you arrive, and no wall of configuration before you can see something useful. Just your money, clearly.
Terms of Use (EULA): https://everypennyapp.com/terms
Privacy Policy: https://everypennyapp.com/privacy
This app makes tracking money across different banks effortless by keeping all balances in one place. The seamless history about import and Lock Screen updates make managing daily expenses fast and intuitive
Best budgeting app
NaturalStupidity
I finally know how much money I spend across all accounts. The design is amazing, really good looking. It also saved me about 20 dollars on subscriptions so far.
Thank you
mr.bombastic96
Lovely app! Saved me already some money on subscriptions I have forgotten about. Also very nice design and a cute coin. Thanks!
very pleasant UI and animations
leverion
great app - supports UA and PL banks which is something I needed, it was easy to set everything up with onborading
Receipts, finished: the photo now stays with the transaction (kept on your phone, never uploaded) and the items on the receipt are saved and editable. Attach a photo to any transaction, including bank ones. Smarter categories: a scanned receipt is categorised from its full text, not just the store name. New Top Places statistic — where your money goes, by merchant, with a drill-down for the period. New setting to help improve categorisation for everyone (off by default). Fixes: recurring payments with Cyrillic names no longer overwrite each other; the paywall no longer shows twice on a new install; place drill-down respects the selected period.
Version 1.5.51
The developer, NATURAL INTELLIGENCE LLC, 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
Identifiers
Usage Data
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
NATURAL INTELLIGENCE LLC
Size
32.6 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
iPad Requires iPadOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.