# My Penny > Private finance tracker calculating safe spending amount from income, bills, and goals. (iPhone/iPad app by Mayooran Thavajogarasa.) - Source: https://appshunter.io/ios/app/my-penny/id6811749191 (this page in markdown: same URL + `.md`) - Developer: [Mayooran Thavajogarasa](https://appshunter.io/developer/6803286544) - Category: Finance, Business - Price: Free - Age rating: 4+ - Requires: iOS 17.0 · 3 MB - Languages: American English - Released: 2026-09-22 - Data updated: 2026-10-02 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/my-penny/id6811749191/reviews.md ## What is My Penny? Penny is a calm, private way to see exactly what you can safely spend — without spreadsheets, bank logins, or an expensive subscription. Most budgeting apps overwhelm you with charts or ask for your bank passwords. Penny does the opposite: you enter your income, bills, and goals, and it turns everything into one clear number — your Safe to Spend for the rest of the month. Everything stays on your device. No bank connections. No ads. No tracking. SAFE TO SPEND • One clear number for what’s left to spend this month • Automatically accounts for income, bills, spending, and savings BUDGETS THAT MAKE SENSE • Simple category budgets with healthy / near-limit / over states • See planned vs. spent at a glance BILLS & REMINDERS • Track recurring bills and due dates • Optional reminders before a bill is due SAVINGS GOALS • Set goals and see how much to save each month to reach them DEBT & FORECASTS • Estimate debt payoff timelines • Peek a few months ahead with lightweight forecasts (always labeled as estimates) WIDGETS • Safe to Spend and next-bill widgets for Home and Lock Screen PRIVATE BY DESIGN • All data stored on your device • No bank logins, no analytics, no ads, no accounts PENNY PRO (optional) Unlock unlimited savings goals and Pro features. Available as an annual subscription with a free trial, or a one-time lifetime purchase. Penny is fully usable for free. Penny supports CAD, USD, GBP, EUR, and AUD. --- Penny Pro (Monthly) is an auto-renewing subscription. Payment is charged to your Apple Account at confirmation. It renews automatically unless canceled at least 24 hours before the end of the period. Manage or cancel anytime in Apple Account settings. Privacy Policy: https://mayooranthava.github.io/penny/privacy-policy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Safe to Spend calculation - Category budgets - Bill tracking and reminders - Savings goals - Debt payoff forecasts - Home and Lock Screen widgets ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/my-penny/id6811749191/reviews.md ### 5/5 — great app *2026-09-25* 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 ### 5/5 — Game Changer for managing my daily spending *2026-09-25* An easy to use personal budgeting app that helps me track my spending and stay on top of my expenses! ## Frequently asked questions about My Penny ### 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. ## Version history (last 4 releases) ### 1.3 — 2026-09-29 • 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 ### 1.2 — 2026-09-28 Penny Pro (Monthly) is an auto-renewing subscription. Payment is charged to your Apple Account at confirmation. It renews automatically unless canceled at least 24 hours before the end of the period. Manage or cancel anytime in Apple Account settings. ### 1.1 — 2026-09-26 Introducing Penny Pro — unlock unlimited savings goals and more with a monthly subscription (optional free trial). Restore purchases anytime from Settings. Penny stays private and on-device. ### 1.0 — 2026-09-22 No release notes. ## Apps similar to My Penny | App | Rating | Price | Category | | --- | --- | --- | --- | | [Canora: Financial Goal Planner](https://appshunter.io/ios/app/canora-financial-goal-planner/id6802152280) | — | Free | Finance | | [Waypoint Budget Planner App](https://appshunter.io/ios/app/waypoint-budget-planner-app/id6781432747) | 5.0 (3) | Free | Finance | | [Budgii: Budget Planner](https://appshunter.io/ios/app/budgii-budget-planner/id6748864450) | — | Free | Finance | | [Budgeting App - Spend Tracker](https://appshunter.io/ios/app/budgeting-app-spend-tracker/id1636460435) | 4.7 (83) | Free | Finance | | [Piggy Bank - Mani](https://appshunter.io/ios/app/piggy-bank-mani/id6476108778) | 4.6 (408) | Free | Finance | | [Rogers Bank](https://appshunter.io/ios/app/rogers-bank/id1527119582) | 2.5 (11) | 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 2026-10-02.*