# Penny Flow: Expense Manager — Spend smarter, save more

> Spend smarter, save more (iPhone/iPad app by Linh Nguyen The Quang.)

- Source: https://appshunter.io/ios/app/penny-flow-expense-manager/id6748178601 (this page in markdown: same URL + `.md`)
- Developer: [Linh Nguyen The Quang](https://appshunter.io/developer/1824569312)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 26 MB
- Languages: American English
- Released: 2025-07-17
- Data updated: 2026-05-19
- User reviews in markdown: https://appshunter.io/ios/app/penny-flow-expense-manager/id6748178601/reviews.md

## What is Penny Flow?

Track Individual & Group Expenses: Easily monitor personal and shared spending with real-time categorization for you and your group.
AI-Powered Spending Advice: Get personalized tips from AI to optimize budgets and cut unnecessary costs based on your habits.
Auto Recurring Payments: Seamlessly track and manage recurring bills with smart reminders to avoid late fees.
AI-Driven Categorization: AI auto-categorizes expenses for accurate tracking and insightful financial reports.
Secure & Private: Bank-level encryption ensures your financial data stays safe and private.
User-Friendly Design: Intuitive interface simplifies budgeting for individuals and groups.


## Version history (last 3 releases)

### 1.2.1 — 2025-09-24

Fix bugs:
- Search expense type
- Pop-up of wallet details when scanning the QR code
- Leaving wallet

### 1.2 — 2025-09-21

- New UI
- Share wallet by QR code
- Scan QR code to join the wallet
- More chart visualization
- Chatbot
- Category

### 1.0 — 2025-07-17

No release notes.

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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 2026-05-19.*