Penny: AI Budget Planner

Build the budgeting habit you've been postponing. Daily streaks, instant badges, AI insights, and zero spreadsheets. Join thousands tracking smarter, and sleeping better.

Stop wondering where your money went. Penny is the AI-powered budget app that tracks every expense, scans your receipts with the camera, forecasts your future balance, and rewards your daily habits with badges - all in one beautiful, free app.

Whether you're trying to pay off debt, save for a house, or just stop the monthly mystery of "where did it all go?", Penny gives you the tools and the AI insights to actually understand your money - not just record it.

WHAT MAKES PENNY DIFFERENT

AI THAT ACTUALLY HELPS

• AI Personality Reports: discover your unique spending personality every month
• AI Savings Goals: set a goal, get a realistic success probability
• AI Receipt Scanning: snap a photo, Penny extracts everything
• Smart spending insights tailored to your habits

EVERYTHING YOU NEED, IN ONE APP

• Track expenses and income in 150+ currencies
• Multiple accounts: cash, bank, savings, credit cards, investment, digital wallets
• Account-to-account transfers (don't pollute your reports)
• Recurring transactions for rent, salary, subscriptions
• Bills with smart reminders, never miss a due date
• Cash Flow Forecast: see your balance 30/60/90 days into the future
• Stocks and crypto watchlist with live prices
• Subcategories for finer tracking (Food, Restaurants, Coffee, Delivery)
• Receipt scanning that fills the form for you

BUILT TO BUILD HABITS

• Earn streak badges as you log daily: 1, 7, 30, 90, 365 days and beyond
• Visual streak tracker on the home screen
• Push notifications celebrate every milestone
• Just like Duolingo, but for your money

SHARE WITH YOUR FAMILY

• Household mode with role-based permissions (Owner, Editor, Viewer)
• One database, multiple devices, real-time sync
• Perfect for couples, families, and roommates

WEB DASHBOARD INCLUDED, FREE

• Open Penny in any browser at pennybudget.app/dashboard
• Same account, real-time sync with mobile
• Full feature set on a bigger screen

PRIVACY YOU CAN TRUST

• Face ID and Touch ID protection
• End-to-end encrypted Firebase storage
• We never sell your data, ever
• No ads, no trackers, no nonsense

BUILT FOR THE WORLD

• 150+ currencies with live exchange rates
• Safely change your base currency anytime, all data converts automatically
• Available in English, French, Arabic (RTL), and Spanish

FREE TO START

Penny is free to download and use. Premium AI features (personality reports, AI savings goals, advanced spending plans) are available for $4.99/month with a 14-day free trial, or $149.99 once for lifetime access. Penny Premium is an auto-renewing subscription. • Payment is charged to your Apple ID at confirmation of purchase. • The subscription renews automatically unless canceled at least 24 hours before the end of the current period. • Manage or cancel anytime in your App Store account settings.

Terms of Use (EULA): https://pennybudget.app/terms-and-conditions.html Privacy Policy: https://pennybudget.app/privacy-policy.html

BONUS: 100+ FREE FINANCE GUIDES

Visit pennybudget.app/blog for 100+ free articles on budgeting, saving, investing, crypto, debt, and money mindset, written by the team behind Penny.

GET STARTED IN 60 SECONDS

Download. Sign up. Add your first expense. Watch Penny do the rest.

Questions? Visit pennybudget.app/contact or read our privacy policy at pennybudget.app/privacy

Built with care by the Penny team.