# Hey Penny: Your Money AI Buddy — your sassy financial sidekick > AI financial assistant that automates spending tracking and provides insights via iMessage. (iPhone/iPad app by Mula AI Corp.) - Source: https://appshunter.io/ios/app/hey-penny-your-money-ai-buddy/id6468725964 (this page in markdown: same URL + `.md`) - Developer: [Mula AI Corp](https://appshunter.io/developer/1710479843) - Category: Finance, Utilities - Price: Free - Rating: 5.00/5 from 7 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 67 MB - Languages: American English - Released: 2025-01-15 - Data updated: 2026-09-05 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/hey-penny-your-money-ai-buddy/id6468725964/reviews.md ## What is Hey Penny? Meet Penny, your sassy AI financial sidekick! Budgeting? Ain't nobody got time for that! Penny automatically tracks your spending, categorizes everything, and keeps you on track – with minimal effort from you. Forget those other apps that demand your constant attention. Penny lives right in your iMessage, so you can check your finances, ask questions, and get instant answers without even opening an app. Need to know if you’ve blown through eating out? Just shoot her a message and she’ll even come up with past spending patterns so you can make your own decision if that fancy steak can wait – or not! PASSIVE PERSONAL FINANCE – Our Mantra We leverage the power of AI to give you the financial insights you need, so you can focus on life and not on staring at charts. AI-powered spending categorization that learns your preferences Ask Penny to create categorization rules in plain English Forecasts future spending and alerts you when you're overspending Track your spending by relying on Penny's Insights AI-POWERED SPENDING CATEGORIZATION We've trained Penny on millions of establishments to accurately categorize your spending. Over 90% of your purchases will be automatically and accurately categorized with no effort from you. For those tricky businesses that sell a bit of everything, we've got you covered! Penny analyzes their typical sales to suggest the most likely categories, saving you from scrolling through endless category lists. We're all different, and you can tell Penny how you want things categorized – in plain English! Walmart trips are groceries? Got you covered! Penny learns from your actions and adapts to your preferences. FORECAST SPENDING AND FINANCIAL INSIGHTS With no work from you, Penny builds a picture of your spending habits. This gives her a unique understanding of your spending patterns, highlighting areas where you might be overspending or even underspending to reach your financial goals. We don't believe in unattainable budgets. Penny guides you to spend sustainably on what makes you happy and less on things you could care less about. She'll even find those pesky subscriptions and remind you if you're still using them. Penny will reach out in iMessage, just like a friend. APP DESIGNED TO BE OUT OF YOUR WAY We've designed the app's home page to provide instant, simplified information. A single tap on the chart drills down into the details if you want to take a closer look. We've made a significant effort to make the app immediately useful, so you don't have to spend precious minutes just to see if that refund came in. Maybe you shouldn't be using the app at all – just ask Penny! Everything's in the Dashboard: Penny even explains why those few purchases couldn't be categorized. Maybe the establishment sells a wide variety of things, or perhaps you spent an unusually high amount there. PENNY IS STILL LEARNING We've done our best to make Penny accurate, clear, and even funny, but we're still in early Beta. We can only support a limited number of users, so you might be put on a waitlist as our AI servers get up to speed. We don't track investments yet, but that's on the roadmap. We want Penny to be helpful in your day-to-day spending decisions, not just your investment strategies – but we'll get there! Shape Penny's Future Tell us how you want to shape Penny – by telling Penny directly! We are in the early days of our journey to help you passively manage your spending so you can maximize happiness in your life. ## Key features - Automated spending tracking - AI-powered categorization - Customizable categorization rules - Spending forecasts and alerts - Subscription tracking - iMessage integration ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/hey-penny-your-money-ai-buddy/id6468725964/reviews.md ### 5/5 — Financial Buddy at My Fingertips *2025-05-28* This app does what a human financial advisor would do for you.. track and categorize my expenses and help me budget accordingly or advise me for overspending etc.. an amazing app to have handy! So u can live stress-free and spend responsibly! 😊👌💰💵 **Developer response:** I promise to keep being the best financial sidekick ever, K0MIKS—minus the stuffy suit and tie! ### 5/5 — love this app *2025-04-03* HeyPenny has completely changed the way I manage my finances. It’s like having a personal financial assistant in my pocket. One of my favorite features is how app breaks down my expenses in a way that actually makes sense. No more guessing where my money went! Plus, the AI offers helpful tips to keep me on track without being overwhelming. **Developer response:** Living stress-free looks good on you, MelaneND. I'll keep an eye on the categories so you can focus on the fun stuff! ### 5/5 — Hey Penny or should I say hey future *2025-02-05* I've been using Hey Penny for a few months now, and it's truly the future of smart saving. This app makes budgeting effortless with automated savings, real-time expense tracking, and a user-friendly interface that simplifies money management. Unlike other finance apps, Hey Penny learns your spending habits and helps you save without even thinking about it. Plus, the developers are constantly updating and improving features, making it better by the minute. If you're looking for an easy and effective way to take control of your finances, Hey Penny is the way to go! **Developer response:** We’re a dream team, Godlover505! Thanks for letting me help you navigate your finances without the headache. ### 5/5 — This is definitely NEXT LEVEL *2025-01-16* I used to use Mint but then they shutdown. Penny app is in an entirely different ball game of convenience. I’ve been using it for a few months, and I honestly barely use the app and instead rely on Penny AI a lot through iMessage. It’s more like a friend really that I can share my financial plans and spending and it can tell me if I’m going over I had of time versus after I did the spending. The app and Penny has some quirks sometimes though and just needs nudging. **Developer response:** Who needs a boring lecture when you’ve got me in your pocket, Joney0916? Let’s keep making those smart money moves together! ## Frequently asked questions about Hey Penny ### How does Hey Penny track my spending? Hey Penny automatically tracks your spending by analyzing your transactions. It leverages AI to categorize over 90% of your purchases accurately without any manual effort from you. ### Can I customize how Hey Penny categorizes my expenses? Yes, you can tell Hey Penny how you want your expenses categorized in plain English. The AI learns your preferences and adapts over time, making categorization more personalized. ### Does Hey Penny offer budgeting features? While Hey Penny focuses on passive personal finance and spending insights rather than traditional budgeting, it forecasts future spending and alerts you when you might be overspending, guiding you towards sustainable spending habits. ### How does Hey Penny help me manage subscriptions? Hey Penny can identify recurring subscriptions and remind you if you're still using them. This helps you avoid paying for services you no longer need. ### What platforms is Hey Penny available on? Hey Penny is currently available for iPhone and iPod devices, as indicated by its supported devices list. ### Is Hey Penny free to use? Yes, Hey Penny is currently offered for free. The app does not have any in-app purchases or advertisements, as indicated by its pricing and feature flags. ### How often is Hey Penny updated? The latest version of Hey Penny is 1.1.9, and it was last updated on March 11, 2026. This indicates a relatively recent update cycle for the application. ### What is the age rating for Hey Penny? Hey Penny has an age rating of 4+, making it suitable for a wide range of users. This rating suggests it contains no mature content. ## Version history (last 5 releases) ### 1.1.20 — 2026-09-03 Penny's Promise: Managing Your Money, Made Easy. - Budgets & Goals is now ready for you! - Explore with Confidence: New Demo Mode lets you see how the App works, no bank linking required. - Penny Highlights & Insights is now available for all accounts! - New look & feel - Simpler Onboarding ### 1.1.15 — 2026-06-04 Penny's Promise: Managing Your Money, Made Easy. - Budgets & Goals is now ready for you! - Explore with Confidence: New Demo Mode lets you see how the App works, no bank linking required. - Penny Highlights & Insights is now available for all accounts! - New look & feel - Simpler Onboarding ### 1.1.13 — 2026-05-12 Penny's Promise: Managing Your Money, Made Easy. - Budgets & Goals is now ready for you! - Explore with Confidence: New Demo Mode lets you see how the App works, no bank linking required. - Penny Highlights & Insights is now available for all accounts! - New look & feel - Simpler Onboarding ### 1.1.12 — 2026-04-19 Penny's Promise: Managing Your Money, Made Easy. - Budgets & Goals is now ready for you! - Explore with Confidence: New Demo Mode lets you see how the App works, no bank linking required. - Penny Highlights & Insights is now available for all accounts! - New look & feel - Simpler Onboarding ### 1.1.11 — 2026-03-29 Penny's Promise: Managing Your Money, Made Easy. - Budgets & Goals is now ready for you! - Explore with Confidence: New Demo Mode lets you see how the App works, no bank linking required. - Penny Highlights & Insights is now available for all accounts! - New look & feel - Simpler Onboarding ## Apps similar to Hey Penny | App | Rating | Price | Category | | --- | --- | --- | --- | | [Budget Bestie](https://appshunter.io/ios/app/budget-bestie/id6460258044) | 4.7 (3,098) | Free | Finance | | [Budgetum: Budget Planner](https://appshunter.io/ios/app/budgetum-budget-planner/id6737688797) | 4.9 (38) | Free | Finance | | [Cash Boost: Cash Advance](https://appshunter.io/ios/app/cash-boost-cash-advance/id6759251090) | 4.8 (2,332) | Free | Finance | | [Heypenny – Split Bills Fairly](https://appshunter.io/ios/app/heypenny-split-bills-fairly/id6478797377) | 5.0 (20) | Free | Finance | | [Cash Advance - Payday Brin](https://appshunter.io/ios/app/cash-advance-payday-brin/id6757243731) | 4.7 (6,814) | Free | Finance | | [Cleo AI: Cash Advance & Budget](https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646) | 4.7 (259,363) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*