Penny: Money Manager

Take control of your money with Penny, a private, local-first personal finance app that brings your expenses, budgets, savings goals, shared expenses, accounts, and wealth together in one place. Track expenses. Manage budgets. Split expenses with friends and family. Build savings goals. Track your net worth. Automatically capture transactions. Understand where your money is going. Penny is designed to give you a complete picture of your financial life while keeping your data under your control. TRACK EXPENSES & INCOME • Record expenses, income, and transfers in seconds • Quick manual entry, calculator, or voice logging • Attach receipts to transactions • Organize transactions with custom categories and subcategories • Use reusable transaction templates • Track recurring bills, income, and subscriptions AUTOMATIC TRANSACTION TRACKING • Automatically capture transactions using iOS Shortcuts and Apple Pay • Import transactions from bank statements and other finance apps • Import CSV and Excel files with flexible column mapping • Review imported transactions before adding them to your books • Create rules to automatically categorize future transactions • Automatically detect transfers and prevent duplicate transactions BUDGET MANAGER • Create monthly or yearly budgets • Track spending against your budget in real time • See your remaining safe-to-spend amount • Monitor your progress with visual indicators • Keep everyday spending aligned with your financial targets SAVINGS & GOALS • Create goals for travel, purchases, savings, and more • Set target amounts and dates • Track your progress over time • Know how much you need to save to reach your target • Keep your goals connected to your overall financial picture WEALTH & NET WORTH TRACKER • Track your complete net worth in one place • Manage bank accounts, cash, credit cards, investments, assets, and loans • See assets vs. liabilities • Track your net worth growth over time • Explore wealth projections and see how your finances could grow SPLIT EXPENSES WITH FRIENDS & FAMILY • Share accounts with your family, partner, or friends • Split expenses between multiple people • Choose Equal, Exact, Percentage, or Shares • Track who owes whom • See member activity and shared account changes • Keep shared expenses organized without losing sight of your personal finances FINANCIAL INSIGHTS • Understand where your money goes • Explore spending and income trends • View category breakdowns • Compare daily, weekly, monthly, and yearly activity • Track your saving rate and financial progress • Use interactive charts and reports to understand your finances IMPORT YOUR FINANCIAL HISTORY Switching to Penny doesn't mean starting from zero. • Import transactions from other finance apps • Import CSV and Excel files • Flexible column mapping • Smart category setup • Automatic transfer pairing • Review transactions before adding them PRIVATE BY DESIGN Penny is built with a privacy-first, local-first approach. • No mandatory account creation • Works offline • Your financial data stays on your device • No unnecessary tracking • Face ID and Touch ID app lock • Password-encrypted local backups • Optional encrypted iCloud backup and restore HOME SCREEN WIDGETS • Track spending, budgets, and goals from your Home Screen • See your financial progress at a glance • Quickly add transactions • Monitor budgets without opening the app DESIGNED FOR iPHONE • Clean, modern iOS interface • Light and Dark Mode • Custom accounts, categories, icons, and colors • Smooth animations and interactive financial dashboards • Designed to feel simple enough for everyday use, powerful enough for your complete financial picture Whether you want to track everyday expenses, manage a budget, save for your next goal, split expenses with friends and family, automatically capture transactions, or understand your overall wealth, Penny brings it all together. Your Money. Your Data. Your Future.