# Penny Pilot: Expense Tracker — Private, Offline Cash Manager

> Private, offline expense tracker with optional advanced features and AI insights. (iPhone/iPad app by Babak Ramazanilar.)

- Source: https://appshunter.io/ios/app/penny-pilot-expense-tracker/id6792482120 (this page in markdown: same URL + `.md`)
- Developer: [Babak Ramazanilar](https://appshunter.io/developer/6792482122)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 29 MB
- Languages: American English, German (Germany), European Spanish
- Released: 2026-08-19
- Data updated: 2026-08-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/penny-pilot-expense-tracker/id6792482120/reviews.md

## What is Penny Pilot?

Some apps need to know everything about you before they can help with anything. Penny Pilot doesn’t.

Most people don't need another app tracking them to understand their money better. They need one that just shows them the truth, quietly, without asking for anything in return. That's what this is!
No account to create. No bank to link. No server sitting between you and your own money. Every transaction, every wallet, every budget you set up stays right there on your device, and it stays there because that was the whole point from the start. We didn't bolt privacy onto an existing app. We built the app around it.

Set a limit and hold yourself to it. Pull up your full spending history whenever curiosity strikes or ask the on-device Apple Intelligence to summarize your spendings and give you insights. That's the whole app, and it's fast enough that you'll actually use it.

What you get for free:
• Real privacy. No cloud, no account, no one watching. Lock things down with Face ID, Touch ID, or a passcode.
• No ads. Not one. Not ever!
• As many transactions as you want, each one able to carry notes, a photo and even a location if you want the full picture.
• Up to two wallets in your default currency, whenever you're ready to set them up.
• A clear and complete monthly breakdown of where your money actually went.
• A heads up before your card expires, so you're never caught off guard.

When you're ready for more, there's Penny Pilot Pro:
Everything above, plus the tools for people who want to go deeper.
• Apple Intelligence summaries that quietly turn your transactions into insights, generated privately, right on your phone.
• Multi-currency support, so wallets in different currencies live comfortably side by side.
• Budgets with real limits and real-time tracking, so staying on target actually feels manageable.
• As many wallets as you need, each one customizable with it’s own colors and designs.
• Yearly statistics, so you can pull up any year and see the whole story, not just one month at a time.

Try Penny Pilot Pro free for 7 days. No pressure, just see if it fits how you actually manage money.

Terms of Use: https://www.getpennypilot.app/terms.html
Privacy Policy: https://www.getpennypilot.app/privacy.html
Contact Us: support@getpennypilot.app

## Key features

- Private, offline expense tracking
- No account or bank linking required
- Detailed spending breakdowns
- Budget setting and tracking
- Multi-currency support
- On-device AI insights
- Card expiration reminders

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $2.99 | per month |
| Pro Yearly | $24.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Pro Lifetime | $69.99 | one-time |
| Small Tip | $1.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/penny-pilot-expense-tracker/id6792482120/reviews.md

### 5/5 — Clean and simple

*2026-08-23*

Really love how straightforward this app is! Took two seconds to figure out and no annoying ads or logins. Perfect for logging quick daily expenses.

**Developer response:** Glad you're enjoying the app. Please tell us more about the features and improvements you want us to make using the Support section inside the app.

## Frequently asked questions about Penny Pilot

### Does Penny Pilot have ads?

No, Penny Pilot is completely ad-free. The developers emphasize a clean user experience without any advertisements, even in the free version.

### How secure is Penny Pilot?

Penny Pilot prioritizes security with no cloud storage or server connections. All your financial data stays on your device and can be further protected with Face ID, Touch ID, or a passcode.

### What are the differences between Penny Pilot and Penny Pilot Pro?

The free version offers core expense tracking and up to two wallets. Penny Pilot Pro unlocks advanced features like multi-currency support, unlimited wallets, real-time budget tracking, yearly statistics, and on-device AI-powered spending summaries.

### Can I try Penny Pilot Pro before buying?

Yes, Penny Pilot Pro offers a 7-day free trial. This allows you to explore all the advanced features to see if they fit your financial management style before committing.

### What devices does Penny Pilot support?

Currently, Penny Pilot is available for iPhone. Future support for other devices may be announced by the developer.

### How often is Penny Pilot updated?

Penny Pilot was last updated on August 19, 2026, with version 1.0. This indicates a recent release, and users can expect future updates based on the developer's release schedule.

### What is the user sentiment for Penny Pilot?

Based on the provided data, Penny Pilot has a perfect 5.0-star rating from one review, suggesting very positive initial user sentiment.

### Does Penny Pilot link to my bank accounts?

No, Penny Pilot is designed for privacy and does not link to any bank accounts. All transactions are entered manually, ensuring your financial data remains offline and private.

## Version history (last 1 release)

### 1.0 — 2026-08-19

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 2026-08-27.*