Penny Expense Tracker

Take control of your money with Penny, a private, local-first Expense Tracker and Money Manager that helps you manage expenses, budgets, recurring transactions, accounts, net worth, and savings goals while keeping your financial data completely under your control.

Unlike many finance apps, Penny is built with a privacy-first, local-first approach. No mandatory account creation. No unnecessary cloud storage. Your financial data stays on your device unless you choose to securely back it up.

Track Every Transaction

• Record expenses, income, and transfers in seconds • Choose between manual entry or AI-powered voice logging • Use the built-in calculator for fast and accurate entries • Attach receipt photos to transactions • Organize spending with custom categories and subcategories • Save time with reusable transaction templates

Home Screen Widgets

• Track expenses, budgets, and goals directly from your Home Screen • View daily, weekly, and monthly spending at a glance • Monitor budget progress without opening the app • Quickly launch Manual Entry or AI Voice mode with one tap

Never Miss a Recurring Transaction

• Automatically manage recurring income and expenses • Support daily, weekly, monthly, and yearly schedules • Stay organized without manually creating repeat transactions

Private by Design

• Works completely offline • No mandatory account creation • Your financial data stays on your device • Face ID and Touch ID protection • Password-encrypted backups • Optional encrypted iCloud backup and restore

Budget Better

• Create monthly or yearly budgets • Monitor spending with visual progress indicators • Stay on track with your remaining budget in real time • Take control of your everyday spending

Build Your Savings

• Create savings goals for anything that matters • Track your progress over time • Know exactly how much to save each month to reach your target

Track Your Net Worth

• View your complete financial picture in one place • Manage bank accounts, cash, credit cards, investments, assets, and liabilities • Monitor account balances with ease • Measure your financial growth with detailed reports and insights

Powerful Insights

• Analyze your spending with beautiful charts and statistics • View daily, monthly, and yearly trends • Understand where your money goes • Make smarter financial decisions with clear reports

Import Your Data

• Import transactions from supported formats • Intelligent column mapping for faster imports • Smart transaction categorization • Restore your financial history in minutes

Designed Around You

• Custom accounts and account groups • Flexible categories and subcategories • Home Screen widgets • Siri and Shortcuts integration • Light and dark mode support • Fast, smooth, and beautifully designed

Whether you're tracking daily expenses, managing multiple accounts, planning your budget, building savings, monitoring your net worth, or staying on top of recurring transactions, Penny gives you everything you need to stay in control of your financial life.

Your Money. Your Data. Your Future.