Penny - AI Money Manager

Meet Penny- AI Money Manager — the intelligent expense tracker that helps you log, organise, and understand your finances.

▸ FREE FEATURES

Dashboard (FREE) Visualise your finances with interactive charts — category pie charts, monthly spending trends, and weekly breakdowns. See your net portfolio, total income, and expenses at a glance.

Add Manual Transactions (FREE) Log expenses and income manually with categories, notes, and the date. Supports 6 currencies: $, AED, €, £, ¥, ₹.

View Recent Transactions (FREE — 1 month history) Browse and search your recent transactions with full category filtering. Free plan retains the last 1 month of history.

Budgets & Categories (FREE) Create custom spending categories and set monthly budgets. Track your progress with real-time compliance alerts.

Secure by Design (FREE) All data is encrypted at rest on your device. Optional biometric lock (Face ID / Touch ID) keeps your financial information private.

▸ PREMIUM FEATURES (Requires Subscription)

Scan Receipts (PREMIUM) Point your camera at any receipt. Our OCR engine automatically extracts the merchant, amount, date, and category — no typing required. Auto-capture detects when the receipt is perfectly framed and snaps it for you.

Voice Transactions (PREMIUM) Just speak to log an expense — say what you spent and AI captures the amount, merchant, and category hands-free. No typing needed.

Add with Siri (PREMIUM) Log transactions with "Hey Siri" — quickly add an expense by voice, even without opening the app.

AI Chat Assistant (PREMIUM) Ask questions like "How much did I spend on dining out this month?" or "What's my biggest expense category?" and get instant answers powered by AI. Use voice input with speech-to-text for hands-free queries.

Monthly AI Insights (PREMIUM) Get personalised monthly reports including: • Spending personality classification • Anomaly & fraud detection • Budget compliance analysis • Cash flow velocity tracking • Smart savings tips with real merchant names • 3-month spending forecast

Unlimited Transactions & Full History (PREMIUM) Remove 1-month history restriction. Log as many transactions as you need and access your complete financial history.

Cloud Sync, Backup & Restore (PREMIUM) Backup your data, export to CSV, and sync seamlessly across all your devices. Never lose a transaction.

▸ Subscription Details

Premium unlocks receipt scanning, voice transactions, Siri shortcuts, AI Chat, AI Insights, unlimited transactions, full history, cloud sync, data export, and backup & restore.

• Monthly: $2.99 • Yearly: $24.99 (best value)

Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage or turn off auto-renew in your Apple ID account settings at any time after purchase.

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