Free

Details

  • Released
  • Updated
  • September 22, 2026
  • September 29, 2026

Features

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About

This app provides a private and simple way to track your spending and manage your finances. It calculates a clear 'Safe to Spend' number based on your income, bills, and savings goals, all stored securely on your device without bank connections or ads.

✓Safe to Spend calculation
✓Category budgets
✓Bill tracking and reminders
✓Savings goals
✓Debt payoff forecasts
✓Home and Lock Screen widgets
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What's New in My Penny

1.3

September 29, 2026

• Quick tour that highlights Safe to Spend, bills, and how to add a bill • Plan goal targets are included in your Safe to Spend estimate • Accent themes apply more consistently across Budget and status colors • Monthly PDF summary export (Penny Pro) • Sample data tuned so Safe to Spend starts in a clearer, positive range • Penny Pro is a one-time lifetime unlock — no subscription • Clearer legal terms and on-screen estimate disclaimers • Bug fixes and polish

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User reviews

great app

honestly really like this app. i’ve tried a few budgeting apps before and they always felt way too complicated, but this is actually really easy to use. i like being able to see where my money is going without having to spend forever setting everything up. it’s also nice for keeping track of random spending because i definitely don’t realize how much little purchases add up lol. its clean and easy to navigate, and setting up a budget doesn’t feel overwhelming like some other budgeting apps. def recommend
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Game Changer for managing my daily spending

An easy to use personal budgeting app that helps me track my spending and stay on top of my expenses!

FAQ

How does My Penny calculate 'Safe to Spend'?

My Penny calculates your 'Safe to Spend' by taking your income and subtracting your bills and savings goals. This provides a single, clear number representing what you can safely spend for the remainder of the month.

Is My Penny secure and private?

Yes, My Penny is designed for privacy. All your financial data is stored exclusively on your device, and it does not require bank logins, analytics, or accounts. It also does not contain any advertisements.

What are the benefits of My Penny Pro?

My Penny Pro unlocks unlimited savings goals and additional Pro features. It is available as an annual subscription with a free trial or a one-time lifetime purchase, offering enhanced functionality beyond the free version.

Can I use My Penny on multiple devices?

Currently, My Penny supports iPhone. All data is stored locally on your device, so synchronization across multiple devices is not a feature of the free version.

What currencies does My Penny support?

My Penny supports multiple currencies, including CAD, USD, GBP, EUR, and AUD. This allows users in various regions to manage their finances effectively.

How often is My Penny updated?

The app was last updated on September 29, 2026, with version 1.3. This indicates a commitment to ongoing development and improvements for users.

Can I cancel my My Penny Pro subscription?

Yes, you can manage or cancel your auto-renewing My Penny Pro subscription at any time. Cancellations must be made at least 24 hours before the end of the current subscription period through your Apple Account settings.

What is the age rating for My Penny?

My Penny has an age rating of 4+. This indicates that the app's content and functionality are considered appropriate for users aged four and above.