best finance app
love the app! i have a hard time saving money and this app really helps!
Free
In-App Purchases
About
This app helps you understand your daily spending limit by accounting for upcoming bills. It securely connects to your bank to track transactions and recurring expenses, providing a clear financial overview and answering your spending questions.
✓Safe to Spend daily number
✓Bank account connection via Plaid
✓Automatic bill and paycheck tracking
✓Natural language spending questions
✓Daily financial briefing
✓Subscription management
✓Financial planning scenarios
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What's New in Penny Personal Finance
1.0.4
October 2, 2026
Happy Halloween from Penny! • A spooky new icon. Penny has dressed up as a ghost in a witch's hat for October. • Halloween all month. Bats, ghosts, jack-o'-lanterns and candlelight throughout the app, with Penny in costume. • Clearer bills before payday. Bills due on payday are no longer counted against the money you have now, because that day's paycheck covers them. Upcoming bills and Safe to Spend now agree. • Sign out works from the phone menu. The confirmation no longer closes before you can tap it. • Sync now handles more banks. If your bank can't refresh on demand, Penny says so instead of showing an error.
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Subscriptions & In-App Purchases
Penny Personal Finance
Budget smarter with Penny Premium
$6.991 Month
User reviews
FAQ
What is Penny's 'Safe to Spend' feature?
Penny's 'Safe to Spend' feature calculates a daily number that reflects how much you can safely spend after all bills due before your next paycheck are accounted for. This prevents a misleadingly high balance from encouraging overspending.
How does Penny connect to my bank?
Penny securely connects to your bank accounts through Plaid. Your bank login details are handled by Plaid, not Penny, and bank access tokens are encrypted for your security.
Can Penny move my money?
No, Penny can read your account information but cannot move your money. Bank access is read-only, and your login credentials are managed by Plaid.
What are the subscription options for Penny Premium?
Penny offers monthly and yearly subscription plans. The monthly plan costs $6.99, and the yearly plan is $49.99. You can manage or cancel your subscription at any time through your App Store settings.
How often is Penny updated?
Penny was last updated on October 2, 2026, with version 1.0.4. This indicates a recent update, suggesting ongoing development and support for the application.
What devices is Penny available on?
Penny is available on iPhone, iPad, and iPod. It is designed to work across Apple's mobile device ecosystem.
Does Penny have ads?
No, Penny does not contain advertisements. The app is free to download and use, with optional premium features available through subscription.
What is the age rating for Penny?
Penny has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content or themes.
