# Penny - AI Expense Tracker — AI Expense Tracker for Canada

> AI Expense Tracker for Canada (iPhone/iPad app by Sarath Francis.)

- Source: https://appshunter.io/ios/app/penny-ai-expense-tracker/id6761629879 (this page in markdown: same URL + `.md`)
- Developer: [Sarath Francis](https://appshunter.io/developer/1882468568)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 65 MB
- Languages: English
- Released: 2026-04-16
- Data updated: 2026-06-26
- User reviews in markdown: https://appshunter.io/ios/app/penny-ai-expense-tracker/id6761629879/reviews.md

## What is Penny?

Penny is your AI-powered expense tracker built specifically for self-incorporated software professionals in Canada. Snap a receipt or describe an expense in plain language — Penny's AI instantly categorizes it using official CRA T2125 tax categories, so you're always tax-ready.

KEY FEATURES

AI Expense Tracking
• Describe expenses naturally: "Lunch at Tim Hortons $14.50"
• Snap receipt photos — AI extracts vendor, amount, date, and category
• Powered by Google Gemini for accurate, instant analysis

Smart Budgets
• Set monthly limits per category with real-time progress tracking
• Visual progress rings and status badges (Safe, Warning, Critical)
• Get alerts before you overspend

Canadian Tax Categories
• All 38 CRA T2125 categories built in
• General business, home office, and vehicle expenses
• Tax-ready categorization from day one

Group Expenses
• Create groups for family, business, or projects
• Role-based permissions (owner, admin, member, viewer)
• Expense approval workflows for teams

Income & Savings
• Track multiple income sources with frequency calculations
• Set savings goals with progress tracking and priorities
• Monthly contribution targets and on-track indicators

Dashboard & Insights
• Visual spending breakdown by category
• Cash flow chart (income vs expenses)
• Period comparison and trend analysis
• Natural language search across all expenses

Security & Privacy
• Face ID / Touch ID biometric login
• Firebase Authentication with encrypted data
• Your financial data stays private

Built with Flutter for a premium, native iOS experience.


## Version history (last 3 releases)

### 2.3.5 — 2026-06-09

Android and iOS validation updates with improved modal dismissal, guest sign-up routing, notification actions, group refresh behavior, and export/share feedback.

### 2.2.1 — 2026-04-17

You can now edit your fiscal year-end month from Settings.

### 2.2.0 — 2026-04-16

No release notes.

## Related topics

[penny ai](https://appshunter.io/ios/topics/penny-ai)

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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 2026-06-26.*