# Pennies: Budget & Bill Tracker — Expense organizer and manager

> Personal finance manager for tracking spending and saving money with flexible budgets. (iPhone/iPad app by The App Shop, Inc..)

- Source: https://appshunter.io/ios/app/pennies-budget-and-bill-tracker/id916741290 (this page in markdown: same URL + `.md`)
- Developer: [The App Shop, Inc.](https://appshunter.io/developer/1746511328)
- Category: Finance, Productivity
- Price: Free with in-app purchases (on sale, was $4.99)
- Rating: 4.60/5 from 1,806 App Store ratings · 860 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 86 MB
- Languages: American English, Arabic, French (France), German (Germany), Italian, Japanese, Korean, Brazilian Portuguese, Russian, Chinese (Simplified, China) and 2 more
- Released: 2014-10-09
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/pennies-budget-and-bill-tracker/id916741290/reviews.md

## What is Pennies?

Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people.

••• Read the reviews and see what people are saying •••

"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"Life Changing"
"You need this app!"


••• MAIN FEATURES •••

> HELPS YOU KNOW HOW MUCH TO SPEND
Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow.

> HELPS YOU SAVE MONEY 
Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track.

> MORE PERSONAL THAN ANY OTHER BUDGETING APP
Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle.

> INSTANTLY SYNC VIA ICLOUD
Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you.

> AS MANY BUDGETS AS YOU NEED 
Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up.

> FLEXIBLE EXPENSES 
Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money.

> MULTIPLE CURRENCIES
Use any currency in the world for individual budgets.

> TRANSFER BETWEEN BUDGETS
Easily transfer money between budgets with a single click.

> SUPER SIMPLE, SUPER QUICK
Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know.

> 3D TOUCH SUPPORT
Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+

> TODAY WIDGET SUPPORT 
Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies.

> BUDGETS ON ALL YOUR DEVICES
Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go!


Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple.

Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month. 

So, start budgeting how you want, when you want, without any worry. Start using Pennies today!

If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too.

Check out Pennies in action: http://www.getpennies.com
Follow Pennies on Twitter – https://twitter.com/PenniesApp
Contact me – hello@getpennies.com

## Key features

- Know how much to spend daily
- Helps you save money
- Personalized weekly, monthly, and custom budgets
- Syncs across iPhone, iPad, and Watch via iCloud
- Unlimited budgets
- Flexible expense entry
- Multiple currencies support

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pennies Monthly Subscription | $4.99 | per month |
| Pennies Annual Subscription | $49.99 | per year |
| Pennies Annual Subscription | $39.99 | per year |
| Pennies Monthly Subscription | $3.99 | per month |
| Pennies Annual Subscription | $39.99 | per year |
| Pennies Annual Subscription | $19.99 | per year |
| Pennies Monthly Subscription | $1.99 | per month |
| Pennies Annual Subscription | $19.99 | per year |
| Pennies Annual Subscription | $29.99 | per year |
| Pennies Annual Subscription | $29.99 | per year |
| Pennies Monthly Subscription | $2.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| TipJar - Generous Tip | $1.99 | one-time |
| TipJar - Awesome Tip | $4.99 | one-time |
| TipJar - Superhero Tip | $9.99 | one-time |
| Pennies Premium Lifetime | $99.99 | one-time |
| Pennies Premium Lifetime | $49.99 | one-time |


## What do users think of Pennies?

Overall sentiment: positive

**Pros**

- 👍 Simple and easy to use
- 💡 Helpful for budgeting and tracking expenses
- 🚀 Clean and intuitive interface
- 🚀 Convenient Apple Watch integration
- 👍 Effective for managing variable spending

**Cons**

- 🐛 Crashes and freezes
- 🐛 Syncing issues between devices
- 🐛 Laggy performance
- 💡 Lack of advanced features (e.g. reports, graphs)
- 💡 No option to share budgets with family members

**Commonly reported bugs**

- App crashes when trying to edit or delete budgets
- Complication not available on newer Apple Watch faces
- Syncing issues causing data loss or inconsistencies
- Expenses not properly tracking across time zones

**Most requested features**

- Add recurring expenses/bills
- Implement fortnightly budget option
- Introduce customizable categories and tags
- Add graphs and data visualization
- Enable budget sharing between devices/users

## Recent user reviews (10 of 860)

All indexed reviews: https://appshunter.io/ios/app/pennies-budget-and-bill-tracker/id916741290/reviews.md

### 1/5 — App won’t open without paying

*2026-07-17, version 6.4.13*

When opening the app first is a pop up with a 50% off offer, I click no thanks and it takes me back to that pop up every time. No point in downloading if you don’t want to pay the app is useless.

### 5/5 — Fabulous

*2026-07-06, version 6.4.13*

I use it every day. It has saved my finances

### 3/5 — Review

*2026-06-29, version 6.4.13*

Stop asking me for a review every time I open the app or I’ll take away stars!

(Deducting a star because I keep getting asked for reviews. Originally 5 stars)

(Deducting another  star because I keep getting asked for reviews. Originally 5 stars)

### 4/5 — Review

*2026-05-29, version 6.4.13*

Stop asking me for a review every time I open the app or I’ll take away stars!

(Deducting a star because I keep getting asked for reviews. Originally 5 stars)

### 1/5 — 시작화면에서 넘어가질 않아요

*2026-05-27*

앱을 실행조차 못합니다

### 1/5 — Doesn’t work

*2026-05-20, version 6.4.13*

Sign up doesn’t even work

### 3/5 — Technical Issues

*2026-05-19, version 6.4.13*

I’ve had this app for two years. It has a small memory for businesses that you enter. So you have to re-enter the business almost every time. Every time I use the app it suddenly just disappears  from the screen and you have to start all over.

### 3/5 — Eh

*2026-04-09, version 6.4.13*

I enjoyed it until you now have to pay £39.99 a year to use it. If I had that money spare I wouldn’t be using a budget tracker. Also, £39.99 in my opinion is a steep price for what you actually get.

### 1/5 — Probablema en Apple Watch

*2026-02-19, version 6.4.13*

Desde la actualización no sincroniza con Apple Watch. No es la primera vez que pasa tras una actualización. 
ACTUALIZO: Cada vez va peor, sincroniza cuando le da la gana, borra transacciones… Era la mejor, ahora no te puedes fiar.

### 5/5 — 180 degree turn

*2026-01-30, version 6.4.13*

I bought the app when it was paid on the AppStore. I was very pleased and felt happy I truly owned, to the point I remember even donating tips. 

To see it turn into a free app, and then a subscription-based app is a complete toss away of business ethics, and developer integrity to its previous values.

## Frequently asked questions about Pennies

### What does Pennies do?

Pennies is a budgeting app designed to help you track your spending and save money. It clearly indicates how much you have available to spend each day and offers flexibility in how you set up your budgets to fit your lifestyle.

### What are the main features of Pennies?

Key features include knowing your daily spending limit, tools to help you save money, highly personalized budget options (weekly, monthly, custom), seamless iCloud syncing across your Apple devices, unlimited budget creation, and flexible expense entry.

### Is Pennies free to use?

The app is available for free download and use, but it does offer in-app purchases. This means you can start using the core budgeting features without initial cost, with optional purchases available for enhanced functionality or content.

### What devices is Pennies compatible with?

Pennies is designed for Apple devices and is compatible with iPhone, iPad, and Apple Watch. It utilizes iCloud to sync your budgets seamlessly across all your devices, ensuring your financial information is always up-to-date wherever you are.

### How does Pennies help me save money?

The app helps you save money by providing a clear overview of your spending and financial health through bold color indicators. This visual feedback encourages you to adjust your spending habits, either slowing down or speeding up, to stay on track with your savings goals.

## Version history (last 5 releases)

### 6.4.13 — 2026-01-23

Bug fixes and general improvements.

### 6.4.12 — 2025-12-15

Improved onboarding with a new welcome experience.

### 6.4.11 — 2025-10-23

- Fixes some issues with Pennies on iPad

### 6.4.10 — 2025-10-01

Your budget’s sidekick just got sharper. Updated widgets make tracking effortless and balance checks breezy, right where you need them.

### 6.4.9 — 2025-09-18

Bug fixes and performance improvements.

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## More apps by The App Shop, Inc.

- [Pennies Mini - Share budgets with your friends](https://appshunter.io/ios/app/pennies-mini-share-budgets-with-your-friends/id1147674973)
- [Tabs - Shared Spending Tracker](https://appshunter.io/ios/app/tabs-shared-spending-tracker/id1169014222)
- [Magpie - Photos & Notes](https://appshunter.io/ios/app/magpie-photos-and-notes/id1452537332)
- [Blockr: SMS, Spam Text Blocker](https://appshunter.io/ios/app/blockr-sms-spam-text-blocker/id6502702219)
- [Recordkit - Call Recorder](https://appshunter.io/ios/app/recordkit-call-recorder/id6504763900)

All apps by The App Shop, Inc.: https://appshunter.io/developer/1746511328

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*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 2026-08-29.*