# Pennie AI: Budget+Track Money — Manage Expenses & Save Money > AI-powered personal finance manager for automated spending tracking and budgeting. (iPhone/iPad app by TIPGUARD LLC.) - Source: https://appshunter.io/ios/app/pennie-ai-budget-plus-track-money/id6746595704 (this page in markdown: same URL + `.md`) - Developer: [TIPGUARD LLC](https://appshunter.io/developer/1785392840) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 7 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 70 MB - Languages: English - Released: 2025-08-30 - Data updated: 2026-06-04 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pennie-ai-budget-plus-track-money/id6746595704/reviews.md ## What is Pennie AI? It all starts with a Pennie. Smarter money. Less effort. Meet Pennie AI — your intelligent financial sidekick. Pennie AI is the smart, secure money app built with one goal: to help you track, verify, and protect your spending — automatically. Powered by advanced AI, Pennie learns your spending habits to help you stay in control — without spreadsheets, manual input, or mental math. No gimmicks. Just AI working for you — not the banks. Key Features: • Safe & Secure Bank-level encryption and read-only access. Your data is yours, and never sold. • AI-Powered Chat and Insights Ask Pennie anything — from your top spending category to how this month compares to last. Thousands of transactions, instantly analyzed. • All-in-One Dashboard Securely link over 10,000 institutions including Chase, Citi, Amex, Wells Fargo, Venmo, Apple Card, and more — and view everything in one place. • Smart Budgets & Predictions Budgets that adapt to your habits. Pennie learns your patterns and offers AI-powered suggestions to stay on track. • Savings Goals with Intent Tag transactions or accounts toward your goals and budgts, and let AI help you pace and reach them. • Cash Flow Intelligence Visualize your net income, recurring expenses, and monthly trends — powered by AI pattern detection. • Subscription & Fee Tracking Pennie automatically detects recurring charges and fee increases — even the ones you might miss. Terms Of Use: https://pennieai.com/terms-of-service ## Key features - AI-powered spending analysis - Automatic transaction tracking - Smart budgeting and predictions - Savings goal management - Cash flow visualization - Subscription and fee detection ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Subscribe Monthly | $4.99 | per month | | Subscribe Yearly | $49.99 | per year | | Pennie AI Pro Monthly | $8.99 | per month | | Subscribe Yearly | $74.99 | per year | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/pennie-ai-budget-plus-track-money/id6746595704/reviews.md ### 5/5 — Even more powerful than expected *2025-09-20* I usually use Pennie to easily get information across my different accounts such as biggest spending category or listing all my subscriptions, but there are many occasions where Pennie is even more powerful than just that. For example, I was returning an item to TJ Max and they asked me which credit card I used. That turns out to be a perfect question for Pennie instead of me opening 5 different bank apps! ## Frequently asked questions about Pennie AI ### What is Pennie AI? Pennie AI is an intelligent financial sidekick designed to automatically track, verify, and protect your spending. It uses advanced AI to learn your spending habits, helping you stay in control without manual input or spreadsheets. ### How secure is Pennie AI? Pennie AI employs bank-level encryption and read-only access to your financial accounts. Your data is kept private and is never sold, ensuring a safe and secure experience for managing your money. ### Can I connect my bank accounts to Pennie AI? Yes, you can securely link over 10,000 financial institutions, including major banks and payment services like Chase, Citi, Amex, Wells Fargo, Venmo, and Apple Card, to view all your finances in one place. ### Does Pennie AI have ads? Yes, Pennie AI contains advertisements. As a free application with in-app purchases, advertisements are part of the user experience. ### What are the subscription options for Pennie AI? Pennie AI offers several subscription plans, including monthly options at $4.99 and $8.99, as well as yearly subscriptions at $49.99 and $74.99, providing access to enhanced features and services. ### How does Pennie AI help with savings goals? Pennie AI allows you to tag transactions or accounts towards your specific savings goals and budgets. The AI then helps you pace your spending and provides suggestions to ensure you reach your financial objectives. ### What kind of insights does Pennie AI provide? Pennie AI offers AI-powered chat and insights, allowing you to ask questions about your spending categories or compare current month's spending to previous periods. It instantly analyzes thousands of transactions to provide valuable financial intelligence. ### How often is Pennie AI updated? Pennie AI was last updated on March 22, 2026, with the latest version being 2026.03.21. This indicates a commitment to regular updates and improvements for the application. ## Version history (last 5 releases) ### 2026.04.06.1 — 2026-04-07 UI bug fixes ### 2026.03.21 — 2026-03-22 - Apple Wallet (card, cash) is now supported - Pennie AI chat is now a conversation ### 2025.12.31 — 2026-01-04 new features ### 2025.12.27 — 2025-12-27 Bug fixes ### 2025.12.25 — 2025-12-24 UI updated ## More apps by TIPGUARD LLC - [TipGuard - Receipt Checker](https://appshunter.io/ios/app/tipguard-receipt-checker/id6739451847) All apps by TIPGUARD LLC: https://appshunter.io/developer/1785392840 --- *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 2026-06-04.*