# Penny Personal Finance — Budget, Bills & Safe to Spend

> Personal finance app tracking safe-to-spend amounts after bills. (iPhone/iPad app by Richard DeJournett.)

- Source: https://appshunter.io/ios/app/penny-personal-finance/id6793751958 (this page in markdown: same URL + `.md`)
- Developer: [Richard DeJournett](https://appshunter.io/developer/6793751960)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 31 MB
- Languages: American English
- Released: 2026-08-21
- Data updated: 2026-10-07
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/penny-personal-finance/id6793751958/reviews.md

## What is Penny Personal Finance?

Am I okay until payday? Penny answers that every morning.
Most budgeting apps show you where your money went. Penny tells you what you can safely spend today, after every bill due before your next paycheck is set aside. One number, worked out for you, updated as your money moves.

WHAT PENNY DOES FOR YOU

 • Safe to Spend: a daily number that already accounts for rent, bills and subscriptions coming before payday, so a good-looking balance never fools you.
 • Connects to your bank: link your accounts securely through Plaid and your transactions, balances and recurring bills fill in on their own in about a minute.
 • Bills that keep themselves: Penny spots your recurring bills and paychecks, shows what's due next, and marks them paid when the payment posts.
 • Ask Penny: ask plain questions like "Can I afford dinner out this week?" and get answers based on your real numbers.
 • Daily briefing: a short morning check-in covering what changed, what's coming up, and anything that needs you.
 • Find forgotten subscriptions: see every subscription in one place and what each one costs you a year.
 • Plan ahead: try "what if" scenarios and savings goals before you commit to them.

 PRIVATE AND SECURE

Penny can read your accounts but can never move your money. Your bank login goes to Plaid, not to us, and bank access tokens are encrypted. Sign in with Apple, Google, or email, and lock the app with Face ID.

PENNY PREMIUM

Monthly and yearly plans are available in the app. Payment is charged to your Apple ID and renews automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel anytime in App Store settings.

 Terms of Use: https://joinpenny.app/terms
 Privacy Policy: https://joinpenny.app/privacy

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Penny Personal Finance | $6.99 | per month |
| Penny Personal Finance | $49.99 | per year |


## Is Penny Personal Finance safe?

Not enough ratings yet to assess Penny Personal Finance.

## Is Penny Personal Finance legit?

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

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/penny-personal-finance/id6793751958/reviews.md

### 5/5 — best finance app

*2026-09-04*

love the app! i have a hard time saving money and this app really helps!

## Frequently asked questions about Penny Personal Finance

### 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.

## Version history (last 5 releases)

### 1.0.4 — 2026-10-02

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.

### 1.0.3 — 2026-09-20

What's new in Penny

• A friendly start. New setup and a quick guided tour show you Penny's most useful screens.
• Tell Penny which income is your paycheck, so Safe to Spend plans around the right payday.
• Smarter bills. A bill paid from a different bank now counts as paid, and marking a bill paid matches it to the payment that already posted.
• "What Changed?" Home now tells you what's different about your money since you last looked.
• Faster Home. Your screen appears right away and your numbers fill in as they load.
• More reliable bank connections. Connecting a bank that sends you to its own app now brings you back to Penny properly, even if your phone closed Penny in the meantime.
• Fresher, fuller data. Penny fetches new transactions from your bank directly, imports up to two years of history, shows how recent your data is, and handles duplicate charges better.
• Small touches. Show/hide for passwords, a confirmation before signing out, and an easier way to send us feedback.

### 1.0.2 — 2026-08-29

We've been hard at work making Penny even better.

This update includes bug fixes, performance improvements, and behind-the-scenes enhancements to make Penny more reliable and keep your financial picture accurate.

Thanks for using Penny!

### 1.0.1 — 2026-08-24

We've been hard at work making Penny even better.

This update includes bug fixes, performance improvements, and behind-the-scenes enhancements to make Penny more reliable and keep your financial picture accurate.

Thanks for using Penny!

### 1.0 — 2026-08-21

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 2026-10-07.*