Penny: Money Manager

Penny is a private, local-first finance app for tracking expenses, planning budgets, saving for goals, managing investments, and understanding your net worth. PLAN YOUR MONEY • Allocate money across monthly and annual budget categories • Get allocation suggestions based on past spending and upcoming bills • Track category funding, spending, and remaining balances • Manage credit card reserves, rollovers, and loan EMIs TRACK EXPENSES & INCOME • Record expenses, income, and transfers • Add transactions manually, by calculator, or voice • Attach receipts and use custom categories • Track recurring bills, income, and subscriptions AUTOMATIC TRANSACTION TRACKING • Capture supported transactions using Apple Pay and iOS Shortcuts • Process supported bank SMS and payment notifications • Create rules to categorize transactions • Detect potential transfers and duplicates • Review imported transactions before adding them INVESTMENTS & PORTFOLIOS • Manage stock and crypto portfolios separately • Track stock prices and supported crypto valuations • Track returns, daily profit and loss, and XIRR • Review purchase lots, average cost, and historical prices • Compare portfolio performance with benchmark indices • Analyze stocks, ETFs, mutual funds, and crypto holdings SPECIALIZED FINANCIAL ACCOUNTS • Track credit cards, loans, mortgages, and fixed deposits • Monitor loan interest, EMIs, and estimated payoff dates • Track physical gold and silver by weight, purity, and value • Manage property, vehicles, cash, and other assets • Choose how market gains and accrued interest affect net worth RETIREMENT PLANNING • Explore retirement ages and savings scenarios • Adjust for inflation and future living expenses • Project long-term savings growth BUDGETS & SAVINGS GOALS • Set monthly or yearly budgets and income targets • Track safe-to-spend amounts and budget progress • Create goals with target amounts and dates • Monitor progress toward your goals WEALTH & NET WORTH • See assets, liabilities, and net worth in one place • Track net worth growth and investment values over time • Explore wealth projections and investment performance MULTI-CURRENCY & TRAVEL MODE • Record transactions in different currencies • Use available or custom exchange rates • View foreign spending in your home currency • Split shared travel expenses using preset rules • Pause or archive trips SHARED EXPENSES • Share accounts with friends, family, or your partner • Split expenses equally, by amount, percentage, or shares • Track balances, settlements, and member activity FINANCIAL INSIGHTS • Explore spending trends, categories, and reports • Compare daily, weekly, monthly, yearly, and custom dates • Review investment metrics and savings consistency IMPORT YOUR FINANCIAL HISTORY • Import PDF bank statements, CSV, Excel, and supported finance-app files • Preview statement tables and map transaction columns • Identify dates, descriptions, amounts, debits, credits, and balances • Reduce duplicate and balance-only entries WIDGETS & SMART NOTIFICATIONS • View safe-to-spend amounts, budgets, and goals • Track upcoming bills and subscriptions • Receive bill reminders and spending review notifications • Review and categorize supported transactions quickly PRIVATE BY DESIGN • No mandatory account creation • Offline use for supported features • Keep financial data on your device • Hide sensitive balances with discreet privacy mode • Protect access with Face ID or Touch ID • Use password-encrypted local backups and optional encrypted iCloud backups AVAILABLE IN 13 LANGUAGES English, Japanese, Simplified Chinese, Korean, German, French, Spanish, Italian, Brazilian Portuguese, Arabic, Russian, Turkish, and Hindi. Light and Dark Mode, customizable themes, and interactive dashboards. Track spending, plan finances, invest, prepare for retirement, and build wealth with Penny. Your Money. Your Data. Your Future.