# Pennaires Finance — Your Personal Finance OS > Your Personal Finance OS (iPhone/iPad app by Alona Ponce.) - Source: https://appshunter.io/ios/app/pennaires-finance/id6756568808 (this page in markdown: same URL + `.md`) - Developer: [Alona Ponce](https://appshunter.io/developer/1861442089) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 49 MB - Languages: American English - Released: 2026-03-11 - Data updated: 2026-09-01 - User reviews in markdown: https://appshunter.io/ios/app/pennaires-finance/id6756568808/reviews.md ## What is Pennaires Finance? Pennaires helps you understand, organize, and improve your finances without spreadsheets or complicated tools. Track your accounts, spending, budgets, subscriptions, loans, savings goals, and emergency funds in one simple and powerful dashboard. Whether you’re planning your future, managing monthly expenses, paying off debt, or staying on top of bills, Pennaires gives you the clarity you need to make smarter financial decisions. See Your True Financial Picture Get an instant snapshot of your finances with a Net Worth dashboard that shows your total savings, debts, and upcoming payments. • View your total net worth • See savings vs debt at a glance • Track expenses by category • Monitor budget progress instantly • Switch between personal and shared workspaces Know exactly where your money stands — anytime. Track Every Account in One Place Stop jumping between apps or bank statements. Pennaires lets you manage all your financial accounts together. • Savings accounts • Checking accounts • Credit cards • Cash • Digital wallets (GCash, PayPal, etc.) • Shared accounts with family or partners Collaborate with Shared Accounts Manage finances together with the people who matter. • Share accounts with family or partners • Control viewer and editor permissions • Switch between personal and shared workspaces • Keep everyone on the same financial page Perfect for couples, households, and shared finances. Manage Spending With Powerful Budgets Create monthly budgets that help you stay in control. • Set spending limits by category • Track spent vs budget in real time • See which categories are over budget • Review budget history for past months Stay accountable and build better spending habits. Never Miss a Payment Again Pennaires tracks upcoming bills so you always stay prepared. • Credit card due dates • Subscription renewals • Loan installments See what’s due this week and plan your cash flow ahead of time. Track Subscriptions & Recurring Costs Subscriptions can quietly drain your budget. Pennaires helps you stay aware. • Track all subscriptions in one place • Monitor monthly costs • Identify services you may want to cancel Manage Loans & Pay Off Debt Faster Keep track of loans and repayment schedules while building a plan to become debt-free. • Installment tracking • Remaining payment terms • Next payment reminders • Snowball & Avalanche debt strategies • Track your debt payoff progress Know exactly how much you still owe and reach financial freedom faster. Build Your Emergency Fund Prepare for life's unexpected expenses with a dedicated emergency fund planner. • Set your emergency fund target • Track your savings progress • Stay motivated with clear milestones Build confidence knowing you're prepared for whatever comes next. Set Goals & Save With Purpose Turn financial plans into real progress. • Create savings goals • Track progress toward targets • Set deadlines for milestones From dream vacations to a new home, Pennaires keeps you focused. Powerful Insights With Trends Understand how your money moves over time. • Monthly spending insights • Category spending trends • Income vs expenses tracking • Visual financial reports Make smarter financial decisions backed by data. Keep Your Receipts Organized Never lose an important receipt again. • Attach receipts to transactions • View receipts anytime • Keep proof of purchases organized Everything stays connected to your financial records. Built for Privacy & Simplicity • Hide balances with a privacy toggle • Multi-currency support • Secure account login • Data synced across devices Your financial life stays organized and protected. Premium Features Unlock the full Pennaires experience with a premium subscription for advanced features and unlimited financial tracking. Privacy Policy: https://pennaires.com/privacy-policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pennaires Finance Pro | $1.99 | per month | ## Version history (last 5 releases) ### 1.5.2 — 2026-08-28 Upcoming and Insights Expanded See upcoming Payments, Plans, and Goals with clearer due dates. Updated Preferences Choose whether Plans and Goals appear in Upcoming. Goals & Plans More categories with cleaner organization. ### 1.5.1 — 2026-08-14 Home Screen Widgets Keep your finances at a glance with new iOS widgets for Upcoming Payments, Budget Tracking, Weekly Insights, and Finance Summary. Smarter Widgets More accurate payment dates, Clear & Tinted style support, and improved privacy when hiding balances. Better Experience Weekly Insights dates and widget deep links are now more reliable, with additional fixes and refinements. ### 1.5.0 — 2026-08-07 Weekly Insights — Your personalized weekly finance report is here. See your Financial Score, spending, cash flow, upcoming bills, budget health, debt progress, emergency fund, goals, and personalized insights—all in one place. Open Home → Weekly Insights to see how you're doing, what's coming up, and where to focus next. Also in this release - New Weekly Insights card on Home - Improved balance privacy support - Clearer empty states and general performance improvements ### 1.4.2 — 2026-07-15 • Faster transactions — Save transactions quicker with a smoother experience and faster receipt uploads. • Receipts, improved — Receipt indicators are easier to spot, and you can now download receipts directly from your accounts. • Better accounts — Faster logo loading and more reliable account image uploads. • Polished experience — Improved balance display, cleaner lists, and bug fixes for a smoother app. ### 1.4.0 — 2026-07-02 Shared Accounts, Receipts Viewer, and Workspace Switcher are here. Plus new tools to reach your goals: • Debt Strategy • Emergency Fund • Trends And as always, bug fixes and performance improvements. --- *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 2026-09-01.*