# PennyFi > PennyFi (iPhone/iPad app by VALENTINA MARIANA FARCASANU.) - Source: https://appshunter.io/ios/app/pennyfi/id6763116333 (this page in markdown: same URL + `.md`) - Developer: [VALENTINA MARIANA FARCASANU](https://appshunter.io/developer/1895155715) - Category: Finance, Utilities - Price: $4.99 - Age rating: 4+ - Requires: iOS 27.0 · 40 MB - Languages: American English, Arabic, Bulgarian, Croatian, Czech, Danish, Dutch, Finnish, French (France), German (Germany) and 19 more - Released: 2026-04-30 - Data updated: 2026-09-20 - User reviews in markdown: https://appshunter.io/ios/app/pennyfi/id6763116333/reviews.md ## What is PennyFi? PennyFi — your money, in your pocket, on your terms. Pay once, own it forever. No subscriptions, no bank logins, no ads. Your finances stay on your device — and PennyFi's smart features run on Apple's on-device AI, so nothing you enter ever leaves your hands. KNOW WHAT YOU CAN SPEND • Safe to Spend: one number that answers "can I buy this?" — what's left after bills, budgets, and goals • Cash flow forecast: see your balance weeks ahead, before the bills hit • A customizable Home dashboard: net worth, cash on hand, upcoming bills, top expenses, and more BUDGET YOUR WAY • Guided Budget Builder: answer a few questions, get a working budget • Classic methods (50/30/20 and friends) or fully custom categories • Budget calendar, spending pace, and gentle alerts before you overshoot • Budget together: share accounts and budgets with your partner over iCloud — you both view and edit, no extra account needed EVERY ACCOUNT IN ONE PLACE • Cash, savings, credit cards, loans, and investments — in any mix of currencies • Savings interest tracking, debt payoff strategies (avalanche or snowball), and loan payments with an adjustable interest–principal split • Investment portfolios with live prices and performance history EFFORTLESS ENTRY • Scan a receipt — amount, payee, and line items are filled in by on-device AI • Import bank statements from CSV or PDF, with smart duplicate detection • Rules auto-categorize as transactions arrive; PennyFi even suggests the rules • Split one purchase across categories, tag anything, log by voice with Siri • Review: sweep new transactions in a quick card session — and note how the spending felt UNDERSTAND YOUR MONEY • Ask PennyFi anything about your spending — answered privately, on your device • Smart Insights that stay calm: snooze them or dismiss them for good • Spending anomaly alerts, subscription detection, weekly recap, no-spend streaks, age of money • Reflect: beautiful reports on where it all went, month by month and year by year LIFE ADMIN, HANDLED • Recurring bills with reminders, calendar sync, and a Live Activity for the next bill due • Shared expenses with friends and settle-up math done for you • Savings goals with target dates and progress you can see PRIVATE BY DESIGN • No bank connections — that's a feature: nothing to breach, no credentials to hand over • Face ID / Touch ID app lock • iCloud sync across your iPhone, iPad, and Mac; local backups and full CSV export any time — your data is yours to keep AT HOME ON EVERY DEVICE • Built natively for iPhone, iPad, and Mac • Widgets for Safe to Spend, net worth, and more • Siri Shortcuts, global search, and full keyboard support on Mac • Available in 30 languages One price. Every feature. Forever. That's the deal. ## Version history (last 5 releases) ### 2.7 — 2026-09-15 Bills now ask before they post PennyFi used to enter recurring bills on its own, without a word. Now anything due can be listed for you to approve, edit, or skip first — and you can change the amount before it's recorded, which matters for loan payments that move month to month. Set it per bill, or leave the ones with known amounts posting on their own. Settings › Recurring Bills. Nothing due quietly disappears A loan payment you missed used to vanish from every screen the day after it was due. Missed bills, planned one-offs, and loan payments now stay visible, and Upcoming has a new Missed list that answers "what didn't I get to?" — including up to a year of unpaid loan and card minimums. Built for iOS 27 and macOS 27 Toasts, progress indicators, and the iCloud banner pick up the system's Liquid Glass materials. Layouts follow the window, not the device Resize PennyFi on iPad and the content re-lays as you go. Reflect's summary figures no longer run into each other in a narrow window, and Money Flow comes back when you widen it again. Money Flow's labels no longer clip mid-word or sit on top of each other. Payers, where you needed them Editing a transaction can now create a payee without leaving the sheet, and income asks for a payer instead. Logging an upcoming item shows the payer it will use and lets you change it — planned items used to be saved without one. The right currency on every amount A euro bill was labelled with your app currency in the recurring list, its editor, and the split editor. Every figure now shows the currency of the account it belongs to. Mac, finished properly Every add button behind Settings — Categories, Payees, Tags, Rules, Recurring, Split & Settle — now opens what it should, and going back returns you to the pane you came from. Sheets carry the app's own colors instead of a gray system strip, and their buttons sit on a solid bar rather than printing over the row underneath. Search fits the window. Also in this release • Cost Basis, Total P&L, and Today share one size, so the portfolio row reads level • When a cash-flow projection is already negative, the zero line no longer draws across the card header • Bill reminders now tell you when notifications are switched off, instead of failing silently • Menu icons stay where they identify an account or category, rather than an action PennyFi 2.7 requires iOS 27 or macOS 27. On Mac it is now Apple silicon only — a smaller download with nothing in it your Mac can't run. ### 2.6 — 2026-09-07 What's New in PennyFi 2.6 This update is all about clarity — making your numbers easier to read at a glance. Your balances are green again Positive balances read green once more — across Accounts, section totals, and Cash on Hand — while debt stays red. The quieter, colour-neutral look we tried in 2.5 turned out to be harder to scan, so meaningful colour is back. Expenses look like expenses Top Expenses on the Home screen now shows its amounts in red, so money going out clearly reads as money going out. Easier to read The amber budget bar and several menu labels didn't stand out enough against their backgrounds. Both are fixed, and all five themes were re-checked for legibility. Income, broken out On iPad and Mac, the Money Flow diagram now splits income into its real sources — salary, freelance, and the rest — instead of a single combined bar. Cancelling an export just cancels Backing out of a backup or CSV export used to report it as a failure. Now it simply stops, with nothing to dismiss. Tidier Home cards Top Expenses and Recent Transactions now carry icons, matching the cards around them — plus the usual round of smaller fixes and polish. As always, your data stays on your device and in your own iCloud — no accounts, no tracking. ### 2.5 — 2026-09-05 This release sharpens the everyday details and hardens the parts that touch your money. New • Undo for Siri & Shortcuts. Logged an expense, income, or transfer by voice and caught a mistake? Just undo it — the entry is removed cleanly, transfers and all. • Repair orphaned transactions. A new screen finds any transactions that lost their account (after a merge or import) and lets you reassign them in a tap, so nothing quietly goes missing from your totals. • Deep Black widgets. Home Screen widgets can now use a solid black background that melts into a dark wallpaper — pick it from Edit Widget. • Faster holding updates. Swipe any holding to add to your position, and buying or selling now flows through your funding account as a proper transfer. Improved • Cleaner, calmer visual design throughout: colour is reserved for things that actually need your attention, surfaces are more consistent, and every screen scales properly with larger text. • More of the app is now fully translated, including category names, the Financial Health Score, and the in-app info sheets. • Budgets now show and total the "Other" row for a parent category correctly. Fixed • Fixed a rare data-loss bug when merging accounts or cleaning up duplicate categories. • Cross-currency holding buys and sells are now blocked when no exchange rate is available, instead of recording the wrong amount. • Corrected several balance and net-worth calculations so figures agree across every screen, including accounts that hold investments in another currency. • Fixed a freeze when switching the range on an account's history. Thank you for using PennyFi. As always, your data stays on your device and in your own iCloud — no accounts, no tracking. ### 2.4 — 2026-08-20 What's New in PennyFi 2.3 Close a position in one swipe. Done with an investment? Swipe it, sell every lot at once, and choose the account the proceeds land in — realized P&L included. Widgets, your way. Every Home Screen widget now has Deep Black and Transparent background options — long-press → Edit Widget. Perfect for dark wallpapers and minimal setups. Undo for Siri & Shortcuts. Logged an expense by voice and fat-fingered the amount? Just say "undo that." Works for expenses, income, and transfers. Smarter budget rows. Spending booked directly on a parent category (like Shopping) now gets its own "Other Shopping" row — with a budget, progress bar, and tap-through, just like any subcategory. No more mystery overspend. Clearer transactions. The transaction editor now always shows which account the money left — and for transfers, where it went. Improvements "Exclude from budget" now excludes a category's spending from totals too, not just its planned amount Upcoming clears a loan payment as soon as any payment is recorded No-Spend Streaks no longer count months you simply didn't use the app The "How did it feel?" spending check-ins can now be switched off in Settings A full consistency pass so every total agrees on every screen Fixes Fixed a freeze when switching an account's transaction list to "3 Months" Auto-posted recurring transactions no longer disappear when two land on the same day Merging two accounts now reliably moves every transaction Selling an investment into an account with a different currency now converts correctly — and warns you when no exchange rate is available ### 2.3 — 2026-07-28 Bug fixes and performance improvements. ## More apps by VALENTINA MARIANA FARCASANU - [0to42K](https://appshunter.io/ios/app/0to42k/id6764395807) - [MirrorCue](https://appshunter.io/ios/app/mirrorcue/id6780160249) All apps by VALENTINA MARIANA FARCASANU: https://appshunter.io/developer/1895155715 --- *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 2026-09-20.*