# Penny & Pincher Budget — Budget & spending tracker.

> User-friendly budget tracker for quick expense logging and smart spending analysis. (iPhone/iPad app by Jaeyong Lee.)

- Source: https://appshunter.io/ios/app/penny-and-pincher-budget/id6740001506 (this page in markdown: same URL + `.md`)
- Developer: [Jaeyong Lee](https://appshunter.io/developer/1554398133)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 33 MB
- Languages: Korean, American English, Japanese
- Released: 2025-02-04
- Data updated: 2026-08-08
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/penny-and-pincher-budget/id6740001506/reviews.md

## What is Penny & Pincher Budget?

The easiest way to track your spending and build better habits.

Penny automatically suggests a category as you type. Save frequent purchases as Shortcuts — the nearest one appears first based on your location.

Check your monthly spending report to understand your habits at a glance, and take on the 30-day challenge with Pincher to develop healthier financial routines.

[ Key Features ]

Quick Entry
Log spending and income in just one tap.

Shortcuts
Save frequent expenses and auto-sort them by your current location.

Smart Category Suggestions
Type a memo and Penny recommends the right category automatically.

Recurring Transactions
Automatically track regular expenses like rent and subscriptions.

Monthly Report
Visualize spending by category and day of the week.

30-Day Challenge
Build a 30-day spending rhythm with Pincher and make daily tracking a habit.

Goal Tracking
Set a monthly spending goal and follow your progress.

iCloud Sync
Automatically back up and restore your data across all devices.

Widgets & Apple Watch
Log spending instantly from your home screen widget or Apple Watch.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://project-strict-money-checking.github.io/privacy/

## Key features

- Quick expense logging
- Smart spending analysis
- Budget tracking
- Beginner-friendly interface
- Financial habit building

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly subscription | $1.99 | per month |
| Yearly Subscription | $14.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Remove Ads | $2.99 | one-time |


## Recent user reviews (10 of 43)

All indexed reviews: https://appshunter.io/ios/app/penny-and-pincher-budget/id6740001506/reviews.md

### 5/5 — 최고

*2026-05-09*

각종 가계부 안써본게 없는데 가장 직관적이고 고정지출 항목 시작일 지정되면 딱 그 날짜만 볼 수 있는 것 금액설정 귀여운 이모지까지 완볃해요 다만 수입도 기재할 수 있다몀 더 좋을 것 같아요 자동에아이 끄는방법없나요?????

**Developer response:** 안녕하세요 유기또리님! 최고라는 말 정말 감사해요!! 직관적인 구성부터 고정지출 날짜 설정, 이모지까지 마음에 들어 해주셔서 너무 기뻐요. 수입 항목도 최근 추가해서 함께 활용해주시면 더 편하게 관리하실 수 있을 거예요! 앞으로도 더 만족스러운 앱이 되도록 계속 개선해나갈게요. 소중한 리뷰 감사합니다! 💛

### 5/5 — 잘쓰고 있어요.

*2026-04-25*

직관적이고 간편해서 좋아요. 
한가지 요청하고 싶은것이 있다면 요즘 무지출챌린지가 유행하는데 한눈에 무지출 데이가 표시되면 좋을것 같아요. 
요일에 색깔이 바뀐다거나 해서요. ^^
개인적으로는 외식 자제해서 안한 날을 표시하고 싶어요.

### 5/5 — 위젯

*2026-02-17*

지금까지 본 가계부 앱중에 젤 깔끔하고 사용하기 쉬운거 같아요
근데 위젯에 목표금액&사용금액만 있는데 
남은 금액도 표시해주면 진짜 완벽할거같음

### 5/5 — 입금도 기록하게 해주세요~

*2026-02-04*

귀엽고 심플하고 좋습니다~ 근데 입금을 기록할 수 가 없어서 너무 너무 아쉬워요.. 꼭 좀 추가해 주세요~ 
유로화도 사용할 수 있으면 좋겠습니다~

### 5/5 — 저금통 탭도 있었으면 좋겠어요!

*2026-02-04*

한눈에 보이고 간편해서 까먹지 않고 질리지 않고 잘 쓰고 있어요! 적금을 여러개로 나누어서 관리 중인데 목표금 설정 후 매달 저금한 돈을 기재하고 얼마나 모았는지 각 목표에 대한 퍼센트까지 보인다면 너무 좋을 것 같아요 🥹 어디까지나 저의 희망사항이고! 정말 잘 쓰고 있습니다 어플 만들어주셔서 감사해요 🩵

### 5/5 — 너무 귀엽고 좋아요,,,

*2026-01-03*

원래 리뷰 잘 안 쓰는데 다른 가계부앱 쓰면서 딱딱했던 화면이 귀여워지니 정말 좋습니다. 애정하는 앱!!! 한달 목표 설정하는거도 너무 좋아요. 후후후,,, 다들 화이팅, 개발자님 화이팅 다른기능 다 필요없을만큼 딱 좋아요!!!!!

### 5/5 — 좋아

*2026-01-01, version 2.0.4*

좋아 근데 비밀번호설정할수있게 해줘

### 1/5 — 앱 오류

*2025-12-26, version 2.0.3*

갑자기 카테고리가 두개씩 잡히면서 예를 들어 카테고리는 식비 하나인데 통계로 보면 식비 항목이 두개로 나눠져요
제발 오류 좀 잡아주세여ㅠㅠㅠ

아직도 그대로에요
오류 좀 잡아주세요

### 5/5 — 카테고리

*2025-12-15, version 2.0.2*

잘 사용하고 있었는데 지출 카테고리가 이상해여ㅠ 제가 추가해서 만든 카테고리가 다 사라지고 안쓰는 카테고리가 켜져있고 ㅠ 앱끄면 또 저장해둔 카테고리가 사라져요 ㅠ 이거 수정해주세요

### 5/5 — 자린이에게

*2025-12-02, version 1.11.1*

자린아 난 흥청망청이야
자린이 너 믿고 내가 한번 자린고비 돼 볼게,,
다음달까지 꾸준히쓰면 구독박을게
날 자린고비로 잘 만들어줘,,,🥹

## Frequently asked questions about Penny & Pincher Budget

### What does Penny & Pincher do?

Penny & Pincher is a smart budget tracker designed to help users build better spending habits. It allows for quick expense logging and provides an easy-to-understand overview of your finances.

### Is Penny & Pincher easy to use for beginners?

Yes, the app is specifically designed to be user-friendly, even for those new to budgeting. Its interface is intuitive, making it simple to start tracking expenses immediately.

### How does Penny & Pincher make money?

The application is free to download and use, but it offers in-app purchases. It also contains advertisements to support its development and ongoing services.

### What are the main benefits of using this app?

The primary benefits include quick and easy expense logging, smart analysis of your spending patterns, and assistance in developing healthier financial habits. It aims to make managing your money more accessible.

## Version history (last 5 releases)

### 2.5.1 — 2026-07-12

Ads are now automatically removed for premium subscribers on iPhone too. Subscribed on your Mac? As long as you're signed in with the same Apple Account, it just works.

### 2.5.0 — 2026-05-26

Now you can attach photos to your transactions. Save a receipt or a memo as an image and it'll be easy to look back later. Sending a support email got simpler too — the subject and body are now pre-filled for you.

### 2.4.2 — 2026-05-19

Small improvements piled up like coins in a jar this time. Drop by the new 'News' section — we'll share little stories there now and then. The Challenge Calendar glides more smoothly, and the progress bar in Stats has dropped its old habit of getting lost.

### 2.4.1 — 2026-05-11

What's new in this update:

• Added a settings sheet on the record screen — toggle payment method, memo, and AI category suggestions on or off as you prefer.
• Added support for Hong Kong Chinese and Thai.
• Added 7 new category icons: delivery, bus, house, donut, bicycle, cake, and shirt.
• Fixed an issue where re-enabling the payment method toggle would lose your previously selected value.
• Memo and payment method now always appear in edit mode, regardless of settings.

### 2.4.0 — 2026-05-05

This update came and went quietly. (Hey, did you even notice?) Like catching a small mistake in your budget before it becomes a bigger one — not flashy, but necessary. We're back, a little more solid than before.

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## More apps by Jaeyong Lee

- [일본여름카메라 - 필름 감성 카메라](https://appshunter.io/ios/app/id6790067539)

All apps by Jaeyong Lee: https://appshunter.io/developer/1554398133

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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 2026-08-08.*