# PrivatePenny — Finance Tracker

> Finance Tracker (iPhone/iPad app by Islam Seisembay.)

- Source: https://appshunter.io/ios/app/privatepenny/id6759989346 (this page in markdown: same URL + `.md`)
- Developer: [Islam Seisembay](https://appshunter.io/developer/1505964950)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 9+
- Requires: iOS 26.0 · 15 MB
- Languages: American English, Kazakh, Russian
- Released: 2026-07-25
- Data updated: 2026-08-13
- User reviews in markdown: https://appshunter.io/ios/app/privatepenny/id6759989346/reviews.md

## What is PrivatePenny?

Your money. Your rules. No bank login required.

PrivatePenny turns manual expense tracking into a rewarding habit. Instead of handing your bank credentials to yet another app, you stay in control - and the experience is worth every tap.

PRIVACY FIRST, ALWAYS
- No bank connections. No data selling. No tracking.
- All data stored on your device with iCloud sync
- On-device AI - your financial data never leaves your phone
- End-to-end encrypted via CloudKit

QUICK & EFFORTLESS ENTRY
- 3-tap transaction logging: Amount, Category, Done
- Siri Shortcuts & Action Button support - log expenses without opening the app
- Home Screen and Lock Screen widgets for instant access
- Smart category suggestions based on time of day
- Import bank transactions via Apple FinanceKit when you want to

SAVINGS GOALS THAT MOTIVATE
- Set a goal with a photo of what you're saving for
- Watch the image gradually reveal as you save - mosaic tiles, blur-to-clear, grayscale-to-color, or bottom-up fill
- Milestone celebrations at 25%, 50%, 75%, and 100%
- Earn holographic stickers for every completed goal
- Share beautiful achievement cards with friends

"SHOULD I BUY THIS?" AI ADVISOR
- Get instant, personalized purchase advice powered by on-device AI
- Analyzes your actual spending patterns, savings goals, and upcoming bills
- Works for purchases and loans - including installment plans
- Three verdict levels: Go For It, Think Twice, or Not Recommended
- All analysis happens on your device - completely private

SPENDING HIGHLIGHTS REELS
- Weekly, monthly, and yearly spending stories - like Spotify Wrapped for your money
- Swipeable, visual cards with insights, trends, and fun spending personalities
- Shareable summaries with optional amount hiding for privacy
- AI-generated commentary that celebrates wins, not guilt

LOANS & SUBSCRIPTIONS TRACKER
- Unified view of all recurring payments with a calendar
- Loan payoff strategies: Snowball vs. Avalanche comparison
- Refinance calculator with breakeven analysis
- Extra payment projections showing months and interest saved
- Payment reminders so you never miss a due date

SPLIT EXPENSES WITHOUT THE AWKWARD
- Create groups for roommates, trips, or any shared spending
- Equal, custom, percentage, or itemized splits
- Running balances per person - always know who owes what
- Settle up and keep clean records

MULTI-CURRENCY SUPPORT
- 150+ currencies with live exchange rates
- Track spending across currencies when traveling
- Automatic conversion for reports and totals

EXPORT YOUR DATA
- CSV and JSON export - your data is always yours
- No vendor lock-in, ever

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Monthly | $4.99 | per month |
| Premium Yearly | $39.99 | per year |



## Version history (last 2 releases)

### 1.0.1 — 2026-08-08

Fixed in app purchase bug

### 1.0 — 2026-07-25

No release notes.

## More apps by Islam Seisembay

- [RepsRevolution - AI Gym Log](https://appshunter.io/ios/app/repsrevolution-ai-gym-log/id6751335399)
- [FloorFlow - Feng Shui Planner](https://appshunter.io/ios/app/floorflow-feng-shui-planner/id6754161017)
- [Steadykit](https://appshunter.io/ios/app/steadykit/id6754511171)
- [StochasticGrain](https://appshunter.io/ios/app/stochasticgrain/id6755109222)
- [Gift Marshal](https://appshunter.io/ios/app/gift-marshal/id6756011993)
- [Memory Theatre](https://appshunter.io/ios/app/memory-theatre/id6757736828)

All apps by Islam Seisembay: https://appshunter.io/developer/1505964950

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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 2026-08-13.*