Best apps like Hey Penny: Your Money AI Buddy

10+ similar apps compared and reviewed

4.7 avg rating
10 free apps
Updated July 2026

Hey Penny is great, but it's not the only option. Explore 10+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to Hey Penny

Budget Bestie#2

Budget Bestie by Budget Bestie Corp

easy envelope based budgeting
Strong Contender
๐Ÿ’ฐ Finance
4.7๐Ÿ˜(3K ratings)
FreeAdsIn-App Purchases
#60in Finance
Budget Bestie screenshot 1
Budget Bestie screenshot 2
Budget Bestie screenshot 3
Budget Bestie screenshot 4
Budget Bestie screenshot 5
Budget Bestie screenshot 6

This app helps you manage your money using the cash stuffing method, digitally. It guides you through creating expense envelopes, allocating funds, and tracking spending to meet savings goals. Get reminders for bills and budget according to your pay schedule.

What We Love

  • ๐Ÿ’ป Customizable budgeting
  • ๐Ÿ“Š Helps track spending
  • ๐ŸŽจ Aesthetically pleasing design
  • ๐Ÿค Useful for couples/families

Room to Improve

  • ๐Ÿ’ฐ Subscription-based, not free
  • ๐Ÿ”’ Lack of transparency about paid features
  • ๐Ÿ•ฐ๏ธ Lengthy setup process before payment required
Cleo AI: Cash Advance & Budget#3

Cleo AI: Cash Advance & Budget by Cleo AI Ltd

Credit Builder & Savings Goals
Worth Considering
๐Ÿ’ฐ Finance
4.7๐Ÿ˜(246K ratings)
Free
#26in Finance
Cleo AI: Cash Advance & Budget screenshot 1
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Cleo AI: Cash Advance & Budget screenshot 5
Cleo AI: Cash Advance & Budget screenshot 6

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

What We Love

  • ๐Ÿš€ Great service
  • ๐Ÿ’ก Entertaining and easy to understand budgeting/finance app
  • ๐Ÿ‘ Helpful in building credit and getting through hard times
  • ๐Ÿ‘ Useful features like Spendr and Cleo Wallet

Room to Improve

  • ๐Ÿ› Bugs and issues with disconnecting bank accounts and canceling subscriptions
  • ๐Ÿ”’ Concerns about data privacy and security
  • ๐Ÿ’ฐ Misleading subscription fees and charges

More apps like Hey Penny

4
Cash Advance - Payday Brin
Cash Advance - Payday Brin
Cash Advance - Payday Brin
No Credit Check, Cash Today
Free

Quickly explore cash advance and personal loan options up to $900 with transparent terms and fast comparison. Understand eligibility, costs, and repayment details before committing.

Explore cash advances up to $900Compare loan amounts and ratesReview repayment terms
๐Ÿ’ฐ Finance
(3K)
free
5
Heypenny โ€“ Split Bills Fairly
Heypenny โ€“ Split Bills Fairly
Heypenny โ€“ Split Bills Fairly
Receipts, travel, settle up
Free

Effortlessly divide shared costs among friends, housemates, or travel companions. Scan receipts to itemize expenses, calculate individual balances including tip and tax, and easily settle up with integrated payment options. Offers offline functionality and multi-currency support for seamless group expense management.

Scan and itemize receiptsCalculate individual balancesTip and tax calculation
๐Ÿ’ฐ Finance
(20)
freemium
6
Budgetum: Budget Planner
Budgetum: Budget Planner
Budgetum: Budget Planner
Easy monthly budget planner
Free

Easily plan your monthly budget and track expenses with this straightforward financial tool. It offers a clean interface, customizable categories, and unlimited use without subscriptions or hidden fees, helping you achieve your financial goals.

Monthly budget planningExpense trackingCustomizable categories
๐Ÿ’ฐ Finance
(35)
free with in-app purchases
7
Peek - AI Personal Finance App
Peek - AI Personal Finance App
Peek - AI Personal Finance App
Stressed About Money? Relax.
Free

This AI-powered financial coach offers personalized guidance to help you make stress-free money decisions. It translates abstract financial goals into actionable daily tasks and provides clear insights, making managing your finances feel like a rewarding game.

Personalized AI financial coachingActionable daily tasks for goalsFun, game-like money management experience
๐Ÿ’ฐ Finance
(225)
free
8
Piere: Budget, Save, Plan
Piere: Budget, Save, Plan
Piere: Budget, Save, Plan
Automate your budget & savings
Free

This app automates your budget and savings by analyzing your finances to create a personalized plan. It then automatically moves money between your connected accounts to help you reach your financial goals, whether it's building wealth, reducing debt, or covering expenses.

Automated budgetingPersonalized financial roadmap (MyPlanโ„ข)Automatic money transfers (Moves)
๐Ÿ’ฐ Finance
(655)
free with in-app purchases
9
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Spending & Money Goal Tracker
Free

This app helps you plan your weekly budget, track your spending, and save for financial goals. It connects to your bank accounts to monitor transactions, categorizes your expenses, and provides insights into your spending habits. It also helps you manage upcoming bills and view account balances in one place.

Guided budget setupWeekly spending limit calculationBank transaction download
๐Ÿ’ฐ Finance
(3.6K)
free with in-app purchases
10
Origin: AI Budget and Track
Origin: AI Budget and Track
Origin: AI Budget and Track
Spending, Saving, & Net Worth
Free

Effortlessly track finances, create AI-powered budgets, and gain personalized financial guidance. Manage spending, investments, and plan for life events with secure account connections and expert advice.

Securely connect financial accountsTrack spending, cash flow, subscriptions, and billsBuild AI-powered budgets
๐Ÿ’ฐ Finance
(3.6K)
free with in-app purchases