Penny Budget

Track spending by category and card, set savings goals, and see your monthly surplus at a glance — all stored privately on your device.

Penny Budget is a simple, private budgeting app that keeps every number on your device — no accounts, no sign-in, no server. Just you and your money.

TRACK SPENDING YOUR WAY Log transactions by category and by card in seconds. See exactly where your money goes each month with clear breakdowns and progress bars for every budget category.

KNOW YOUR SURPLUS Penny Budget shows you Salary minus Spending minus Savings, so you always know how much is really left over — not just what's in your checking account.

SET REAL SAVINGS GOALS Create savings goals like an Emergency Fund, Vacation, or Home Repairs, assign a monthly target, and check off transfers as you make them. Watch your progress build month over month.

BUDGET BY MONTH, NOT JUST TODAY Category limits and savings amounts are tracked per month, so adjusting this month's grocery budget never rewrites what past months looked like. Swipe between months to see your full history.

STAY ON TOP OF CARDS Add your cards, track spend per card, and set billing/due dates so you always know when a payment is coming up.

SEE THE BIG PICTURE Built-in insights show your 6-month spending trend, category breakdown, budget vs. actual, and surplus history — so you can spot patterns at a glance.

IMPORT & EXPORT Bring in existing transaction history via CSV import, and export your data anytime. Your data is always yours.

PRIVATE BY DESIGN Penny Budget stores everything locally on your device using on-device storage. There are no accounts, no ads, no analytics, and nothing is ever sent to a server.

Whether you're tracking a simple monthly budget or managing multiple cards and savings goals, Penny Budget keeps it fast, clear, and completely private.