# Penny: Money Manager — Budget, Goals & Wealth

> Budget, Goals & Wealth (iPhone/iPad app by Jodha Singh.)

- Source: https://appshunter.io/ios/app/penny-money-manager/id6780589851 (this page in markdown: same URL + `.md`)
- Developer: [Jodha Singh](https://appshunter.io/developer/6780589853)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 18.6 · 20 MB
- Languages: American English, Arabic, French (France), German (Germany), Hindi, Italian, Japanese, Korean, Brazilian Portuguese, Russian and 3 more
- Released: 2026-07-02
- Data updated: 2026-09-29

## What is Penny?

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.

## Is Penny safe?

Not enough ratings yet to assess Penny.

## Is Penny legit?

Penny: Money Manager has limited verification signals. The AppsHunter Legitimacy Score for Penny is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.0.8 — 2026-09-26

AVAILABLE IN 13 LANGUAGES

Penny is available in:

• English
• Japanese
• Chinese (Simplified)
• Korean
• German
• French
• Spanish
• Italian
• Portuguese (Brazil)
• Arabic with RTL support
• Russian
• Turkish
• Hindi

### 1.0.7 — 2026-09-21

What’s New in Version 1.0.7

• Automatic Transaction Logging
Use an iOS 27 Shortcut to automatically log transactions in Penny, making it easier to keep your finances up to date.

• Share Expenses with Friends & Family
Split expenses with shared accounts and easily keep track of who paid and who owes.

• Stability & Polish
Improved performance, syncing, reliability, and overall app experience.

Thanks for using Penny!

### 1.0.6 — 2026-09-10

What’s New in Version 1.0.6
    
    • App Migration & Easy Import: Switch to Penny seamlessly! Import your transaction history
  from other apps (Money Manager, Spendee, etc.) via CSV or Excel files with flexible column
  mapping, automatic transfer pairing, and smart category setup.
    • Apple Pay Auto-Log: Connect Penny with iOS Shortcuts to automatically capture and log
  Apple Pay transactions in real-time.
    • Transaction Review: Easily review imported transactions with our new "Needs Attention"
  card before adding them to your books.
    • Wealth Projections: Visualize your financial future with interactive forecasting models
  (Linear, Compound Growth, and Recent Trends).
    • Smarter Backups: Improved backup and restore handling with native file type verification
  to keep your financial data protected and easy to restore.
    • Performance & UI Polish: Refreshed Penny Orange signature theme, improved Dark Mode
  contrast, and overall stability enhancements.

### 1.0.5 — 2026-09-08

• Performance Overhaul: Instant tab switching, faster view transitions, and ultra-smooth
  list scrolling.
  • New Wealth & Trend Sheet: View your monthly expense trend and an all-new Assets and
  Liabilities chart right from the dashboard.
  • Offer Code Redemption: Easily redeem promo and offer codes directly in the app.
  • Visual Polish: Improved budget progress bars and general UI refinements.

### 1.0.4 — 2026-09-08

Penny just got a major glow-up! 

    In this update:
    - Enjoy a brand-new glassy look across all screens, from your Dashboard to Accounts and
  Goals.
    - Trend views now blend smoothly into your theme with sharper charts and clearer
  breakdowns.
    - Excluded accounts now visually stand apart at a glance with muted styling and clear
  badges.
    - Improved goal allocation and transaction entry workflows.
    - Performance tweaks and general polish throughout.

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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 2026-09-29.*