# Penny: AI Budget Planner — Expense Tracker & Money Saver

> Expense Tracker & Money Saver (iPhone/iPad app by joseph hamawi.)

- Source: https://appshunter.io/ios/app/penny-ai-budget-planner/id6755596161 (this page in markdown: same URL + `.md`)
- Developer: [joseph hamawi](https://appshunter.io/developer/1854729220)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 43 MB
- Languages: American English
- Released: 2026-01-16
- Data updated: 2026-08-18
- User reviews in markdown: https://appshunter.io/ios/app/penny-ai-budget-planner/id6755596161/reviews.md

## What is Penny?

Stop wondering where your money went. Penny is the AI-powered budget app that tracks every expense, scans your receipts with the camera, forecasts your future balance, and rewards your daily habits with badges - all in one beautiful, free app.

Whether you're trying to pay off debt, save for a house, or just stop the monthly mystery of "where did it all go?", Penny gives you the tools and the AI insights to actually understand your money - not just record it.


WHAT MAKES PENNY DIFFERENT


AI THAT ACTUALLY HELPS
  - AI Personality Reports: discover your unique spending personality every month
  - AI Savings Goals: set a goal, get a realistic success probability
  - AI Receipt Scanning: snap a photo, Penny extracts everything
  - Smart spending insights tailored to your habits


EVERYTHING YOU NEED, IN ONE APP
  - Track expenses and income in 150+ currencies
  - Multiple accounts: cash, bank, savings, credit cards, investment, digital wallets
  - Account-to-account transfers (don't pollute your reports)
  - Recurring transactions for rent, salary, subscriptions
  - Bills with smart reminders, never miss a due date
  - Cash Flow Forecast: see your balance 30/60/90 days into the future
  - Stocks and crypto watchlist with live prices
  - Subcategories for finer tracking (Food, Restaurants, Coffee, Delivery)
  - Receipt scanning that fills the form for you


BUILT TO BUILD HABITS
  - Earn streak badges as you log daily: 1, 7, 30, 90, 365 days and beyond
  - Visual streak tracker on the home screen
  - Push notifications celebrate every milestone
  - Just like Duolingo, but for your money


SHARE WITH YOUR FAMILY
  - Household mode with role-based permissions (Owner, Editor, Viewer)
  - One database, multiple devices, real-time sync
  - Perfect for couples, families, and roommates


WEB DASHBOARD INCLUDED, FREE
  - Open Penny in any browser at pennybudget.app/dashboard
  - Same account, real-time sync with mobile
  - Full feature set on a bigger screen


PRIVACY YOU CAN TRUST
  - Face ID and Touch ID protection
  - End-to-end encrypted Firebase storage
  - We never sell your data, ever
  - No ads, no trackers, no nonsense


BUILT FOR THE WORLD
  - 150+ currencies with live exchange rates
  - Safely change your base currency anytime, all data converts automatically
  - Available in English, French, Arabic (RTL), and Spanish


FREE TO START

Penny is free to download and use. Premium AI features (personality reports, AI savings goals, advanced spending plans) are available for $4.99/month with a 14-day free trial, or $149.99 once for lifetime access.
Penny Premium is an auto-renewing subscription.
• Payment is charged to your Apple ID at confirmation of purchase.
• The subscription renews automatically unless canceled at least 24 hours before the end of the current period.
• Manage or cancel anytime in your App Store account settings.

Terms of Use (EULA): https://pennybudget.app/terms-and-conditions.html 
Privacy Policy: https://pennybudget.app/privacy-policy.html



BONUS: 100+ FREE FINANCE GUIDES

Visit pennybudget.app/blog for 100+ free articles on budgeting, saving, investing, crypto, debt, and money mindset, written by the team behind Penny.


GET STARTED IN 60 SECONDS

Download. Sign up. Add your first expense. Watch Penny do the rest.

Questions? Visit pennybudget.app/contact or read our privacy policy at pennybudget.app/privacy

Built with care by the Penny team.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Penny Premium | $4.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime subscription | $149.99 | one-time |



## Version history (last 5 releases)

### 1.3.3 — 2026-08-13

The water at the bottom of your home screen got busier. Two shark fins now patrol it from opposite directions while a sea turtle paddles across. Tilt your phone and watch them drift.

Also in this update:
• Retired the World Cup pig picker
• Bug fixes and performance improvements

### 1.3.2 — 2026-07-13

- Link your bank securely with Plaid and pull in your transactions automatically. US and Canada supported.
- You're in control: bank transactions land in the Banks tab first. Review them, then choose exactly which to add to your expenses, or push them all at once.
- Filter what you review by search, money in/out, and currency. Amounts convert to your main currency automatically.
- Disconnect a bank anytime, and choose whether to keep or delete its imported data.
- Fixed the Ask Penny chat so your typing always stays above the keyboard.

### 1.3.1 — 2026-07-01

Pick your team!

- Choose the country you're cheering for in the World Cup and get your very own floating pig in their colors. 48 national jerseys to collect.
- Want to switch sides? Change your pig anytime from Settings.
- Canada is here: link your Canadian bank account to auto-import transactions.
- Small fixes and polish.

### 1.3.0 — 2026-06-25

Say hello to AI. This update makes tracking your money faster and smarter.

• Scan receipts: snap a photo and Penny reads the amount, merchant, date, tax and line items automatically, in any language.
• Attach receipts: add a photo to any transaction and view it anytime.
• Ask Penny: your new AI money assistant. Ask about your spending, budgets and balance, or just say "add 20 for coffee" or "set my food budget to 400" and it is done.
• Category budgets: set a monthly limit per category, track your progress, and get alerts before you overspend.
• Fresh new look: a cleaner, brighter design with a friendlier feel.
• Faster, smoother, and a few fun surprises.

Thanks for using Penny. Questions or ideas? Reach us any time from Settings.

### 1.2.3 — 2026-05-26

Pick your currency when you set up your account, so your balances are right from day one.

Changing your currency is now safe and predictable. When you switch, you can either convert every amount at an exchange rate, or just relabel them if your numbers were already in that currency. No more balances multiplying by accident.

Living with a parallel or black-market rate? You can now enter your own exchange rate when converting, instead of being stuck with the market rate.

## More apps by joseph hamawi

- [Triply Stays: Lebanon Rentals](https://appshunter.io/ios/app/triply-stays-lebanon-rentals/id6756061657)
- [Muzica](https://appshunter.io/ios/app/muzica/id6758391761)
- [Vynn: Multi-AI Chat & Verify](https://appshunter.io/ios/app/vynn-multi-ai-chat-and-verify/id6758941678)
- [Kalorie Wise: Calorie Counter](https://appshunter.io/ios/app/kalorie-wise-calorie-counter/id6760188378)
- [Verseed](https://appshunter.io/ios/app/verseed/id6760942199)

All apps by joseph hamawi: https://appshunter.io/developer/1854729220

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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 2026-08-18.*