# Penny - Your Daily Habit — Budget & Wealth Saving Tracker

> Daily habit tracker for simple, smart financial decisions and goal progress. (iPhone/iPad app by Vinson Chen.)

- Source: https://appshunter.io/ios/app/penny-your-daily-habit/id6760921595 (this page in markdown: same URL + `.md`)
- Developer: [Vinson Chen](https://appshunter.io/developer/1886829526)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 57 MB
- Languages: American English
- Released: 2026-03-31
- Data updated: 2026-08-08
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/penny-your-daily-habit/id6760921595/reviews.md

## What is Penny?

Bad financial habits don't happen overnight. Neither do good ones.

Penny is your daily nudge to make one smart money move:  save a little, invest a little, pay something off. Log it, track it, feel good about it.
No complicated dashboards. No overwhelming graphs. Just a simple daily habit that keeps your financial goals in sight, whether you're saving for something big, chipping away at student debt, or quietly building wealth one ETF at a time.

Open Penny. Make a smart financial decision like invest $20, transfer to savings, make an extra loan repayment. Log it. Done.

The more you show up, the more it adds up.

Penny works for everyone: students managing uni debt, young professionals building wealth, or anyone with a mortgage, savings goal, or loan they want gone faster.

Start your streak today.

https://oceanic-season-825.notion.site/Penny-Support-32a06c5d22ef8090b354c7b27279710b?source=copy_link

## Key features

- Daily financial habit nudges
- Log savings, investments, debt payments
- Simple tracking, no complex dashboards
- Focus on small, smart money moves
- Track progress towards financial goals
- Build wealth and reduce debt

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Penny Premium Annual | $34.99 | per year |
| Penny Premium Monthly | $2.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Penny Lifetime | $79.99 | one-time |
| Penny Coins Medium | $1.99 | one-time |
| Penny Coins Small | $0.49 | one-time |
| Penny Coins Large | $2.99 | one-time |
| Streak Freeze Pack | $0.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/penny-your-daily-habit/id6760921595/reviews.md

### 5/5 — No more stress

*2026-04-02*

I’ve been stressed about saving and missing my goals but this make it easy stress free and haven’t missed a single day yet

## Frequently asked questions about Penny

### What is Penny's primary function?

Penny is designed to help users build good financial habits by encouraging small, consistent daily actions like saving, investing, or making debt payments. It focuses on simplicity and tracking progress towards financial goals without overwhelming users.

### What are the subscription options for Penny Premium?

Penny offers two subscription plans: Penny Premium Monthly at $2.99 per month and Penny Premium Annual at $34.99 per year. These plans likely unlock additional features or benefits beyond the free version.

### How does Penny ensure user financial security?

While the provided data does not detail specific security measures, Penny is a finance-focused application, and users typically expect robust security protocols for handling financial information. It is available on iOS devices.

### What types of financial actions can I log in Penny?

You can log simple, smart financial decisions such as saving a small amount (e.g., $20), making an extra loan repayment, or transferring funds to savings. The app encourages logging these actions to build a positive financial streak.

### Is Penny suitable for users with student debt?

Yes, Penny is designed to work for various users, including students managing university debt. The app's focus on consistent small payments can help users chip away at debt faster over time.

### How often is Penny updated?

The latest version of Penny is 1.2.1, and it was last updated on May 1, 2026. This indicates a relatively recent update, suggesting ongoing development and maintenance.

### What devices is Penny available on?

Penny is available on iPhone, iPad, and iPod. It is designed for iOS users looking to improve their financial habits.

### Does Penny have ads?

No, Penny does not have advertisements. This allows for an uninterrupted user experience focused solely on financial habit tracking.

## Version history (last 4 releases)

### 1.2.1 — 2026-05-01

- Updated Locales (Japan)
- Updated screenshots
- Updated onboarding login

### 1.2.0 — 2026-04-19

- Bug fixes
- New shop for purchasing streak freezes + outfits for Penny
- Colour updates for light + dark mode
- Spending + Savings logs (Monthly and annual)
- Overall impact dashboard

### 1.1.0 — 2026-04-02

Finance tracker added under the Stats tab - log savings and expenses to see how much you save over time
Fixed subscription pricing to show your local currency
App now shows as "Penny" after download

### 1.0 — 2026-03-31

No release notes.

## More apps by Vinson Chen

- [Algorithm](https://appshunter.io/ios/app/algorithm/id6761152548)

All apps by Vinson Chen: https://appshunter.io/developer/1886829526

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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 2026-08-08.*