PennyFi

Take control of your money with PennyFi — a powerful, privacy-first finance app that works across iPhone, iPad, and Mac. Pay once, own it forever. No subscriptions, no hidden fees.

One purchase. Every device. Always in sync. Buy PennyFi once and use it everywhere. Your data syncs seamlessly across all your Apple devices through iCloud, so your finances are always up to date whether you're on your phone, tablet, or desktop.

BUDGETING THAT WORKS • Set monthly budgets by category and track spending in real time • Rollover unused budget to the next month • Visual progress bars show exactly where you stand • Calendar view for a month-at-a-glance overview

ALL YOUR ACCOUNTS IN ONE PLACE • Checking, savings, credit cards, mortgages, auto loans, student loans, and more • Transfer money between accounts with both sides recorded automatically • Import bank statements via PDF or CSV — rules auto-categorize recurring transactions • Payee management with smart duplicate detection and alias matching

INVESTMENT TRACKING • Track stocks, crypto, and manual assets with real-time price updates • See portfolio allocation, performance charts, and gain/loss per holding • Compare your portfolio against the S&P 500 benchmark • Aggregate holdings across multiple accounts

DEBT PAYOFF TOOLS • Built-in payoff calculator shows how payments affect your timeline • Refinance simulator with break-even analysis • Amortization schedules for every loan • Track credit utilization and interest rates

FINANCIAL HEALTH INSIGHTS • Net worth tracking across all account types • Financial Health Score based on savings rate, debt ratio, emergency fund, credit utilization, and payment consistency • Income vs. expenses analysis, spending trends, and cash flow charts • Sankey diagram to visualize where your money flows

PRIVACY BY DESIGN • All data stored locally and in your personal iCloud — never on third-party servers • Face ID / Touch ID app lock • Encrypted backup and restore • No tracking, no ads, no data collection

HOME SCREEN WIDGETS • Net worth, spending by category, top payees, upcoming recurring, and quick-add widgets • Customizable home dashboard — show only what matters to you

LOCALIZED IN 29 LANGUAGES Arabic, Bulgarian, Croatian, Czech, Danish, Dutch, English, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Italian, Japanese, Korean, Lithuanian, Norwegian, Polish, Portuguese (BR & PT), Romanian, Russian, Slovak, Slovenian, Spanish, Swedish, Turkish, and Ukrainian.

PennyFi is built for people who want a complete picture of their finances without renting their budgeting app month after month. Buy it once, use it forever.