Everything a budget needs.
Nothing it doesn't.
Penny writes your spending down for you, makes sense of it, and plans what comes next. Every feature runs on your device, in 9 languages and about 40 currencies.
Capture
Your spending, written down without the typing.
Bank alerts Android
Pick your bank apps once. Penny reads their purchase alerts on your phone, tidies the shop's name, picks the right card and waits for your tap. A balance is never mistaken for the amount.
Receipt scanning Android
Snap a receipt or pick a photo. Penny fills in the total (never the subtotal or tax), the shop and the date, and keeps the photo with it.
Say it, it's added
Type “lunch 12.80 at Chipotle” or “+2400 salary”. Penny reads the amount, payee, category and date in any of its 9 languages.
Statements, tidied
Drop in a CSV, OFX or QFX file. Big banks are recognised, payees cleaned, transfers kept as transfers and duplicates skipped.
Share to Penny 1.2
Share a bank message or a receipt photo to Penny on Android to add it straight away. On a computer, just paste the message.
Move from another app
Export from Mint, YNAB or Monarch and import the file. Accounts come across, transfers stay transfers, duplicates are skipped.
Plan
Know what's coming, and what you can afford today.
Safe to spend today
One number, after the bills still to come before the end of the month. On your phone's home screen too.
Payday plan 1.2
When your pay lands, Penny suggests how to split it between bills, goals, a cushion and everyday money, then tracks the plan until the next payday.
Cash-flow calendar 1.2
Your expected balance on every day ahead, with the days money gets tight or runs short clearly marked. Tap a day to see what's behind it.
Goal autopilot 1.2
A safe amount to put toward your goals, a warning when one falls behind, and how to reach it sooner.
Budgets that warn early
Each budget shows its pace against today, so you see it heading over before it does. The ones closest to their limit come first.
Forecast and debt plans
The next 60 days with the low point marked, and your debt-free month with the avalanche or snowball method.
Understand
Answers, not spreadsheets.
Ask Penny
“How much did I spend on dining last month?” Ask about paydays, trips, subscriptions, who owes you, or compare one month with another. Answered on your device.
Insights that rank
Findings ordered by the money at stake: budgets heading over, bank and late fees, price rises, double charges and small habits that add up.
Financial health score
Spend, Save, Borrow and Plan, scored 0 to 100 with the Penny Research model, with a short action plan. Saved monthly so you can watch it change. Try it.
Subscription watch 1.2
The yearly cost of every subscription, price rises caught, a reminder before a free trial ends, and what you've saved by cancelling.
Tappable charts 1.2
Tap a slice, a bar or a day to see the transactions behind it.
Duplicate guard
Catches the same purchase arriving twice, even from two accounts or in a converted currency.
Everyday life
For money that doesn't fit in neat boxes.
Split a bill 1.2
Record what friends owe you and only your share counts as spending. See who still owes what, send a reminder, mark them repaid.
Trip mode 1.2
Group a trip's spending in one place, enter amounts in the local currency and see the total when you're back.
Many currencies
Accounts in about 40 currencies, converted to your main one everywhere totals are shown.
Reminders that respect you Android
An evening nudge only on days you added nothing, a heads-up before a renewal, a weekly summary and a monthly recap, each with its own switch.
Swipe and undo
Swipe to delete, repeat or mark paid. Most “Are you sure?” prompts are gone: just tap Undo.
Bills and reminders
Recurring bills and income detected for you, with due dates on the calendar and in your plan.
Make it yours
Comfortable for everyone, and yours to keep.
Four themes, your accent
Light, dark, pure white and true black. Match the accent colour to your phone or Windows.
9 languages
English, Spanish, Portuguese, French, Russian, Indonesian, Chinese, Hindi and Arabic, right to left included.
Easier for everyone
Strong text contrast, chart descriptions for screen readers, patterns that don't rely on colour, and your phone's font size.
Yours to keep
Excel export, rules that learn your payees, and verified backups every day and before big changes.
The same Penny, built for each screen.
Nearly everything works on both. A few features need a phone's notifications or camera.
| Feature | Windows | Android |
|---|---|---|
| Quick entry, budgets, goals, bills, insights, Ask Penny | Yes | Yes |
| Payday plan, cash-flow calendar, split, trips, subscriptions | Yes | Yes |
| Statement import (CSV, OFX, QFX) and Excel export | Yes | Yes |
| Bank alerts added for you | Paste a message | Yes |
| Receipt scanning | No | Yes |
| Reminders and home-screen number | No | Yes |
| Encryption on your device | Sealed by Windows | Phone's secure hardware |
Start with the next thing you buy.
Free during the beta. No account, no bank login, no ads.