Penny Budget

New: unspent money rolls into next month, split one receipt across categories, a debt payoff planner, and your net worth over time. All on your phone — no bank login.

Everything a $100-a-year budget app does with your bank data — done from your statements, on your phone, free.

Penny Budget never asks for your bank login. Import a PDF or CSV statement from any bank, review every transaction before it lands, and Penny learns your merchants so the next import files itself.

BUDGET LIKE THE BIG APPS • Give every dollar a job, and see what's left to spend at a glance • Unspent money rolls into next month — a quiet month builds a buffer • Overspending carries forward honestly, never swept under the rug • Split one receipt across categories: one Costco run, three budgets

SEE WHERE IT ALL GOES • The Money Map shows your whole month in one picture • Net worth, tracked over time from balances you enter • A debt payoff planner that shows what paying $50 extra actually saves • Savings goals with real funded-by dates

SHARE WITH YOUR HOUSEHOLD • One budget between two phones, no per-seat pricing • Recurring bills post themselves and remind you the day before

PRIVATE BY DESIGN • Your data stays on your device unless you turn on the optional account • No ads, no analytics, no trackers — the privacy label speaks for itself • Back up everything to a file you own, restore it anywhere

No subscriptions. No bank linking. No catch.