# SavvyPenny

> SavvyPenny (iPhone/iPad app by XTND.)

- Source: https://appshunter.io/ios/app/savvypenny/id6791924480 (this page in markdown: same URL + `.md`)
- Developer: [XTND](https://appshunter.io/developer/735307218)
- Category: Productivity, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 61 MB
- Languages: American English
- Released: 2026-08-03
- Data updated: 2026-09-14
- User reviews in markdown: https://appshunter.io/ios/app/savvypenny/id6791924480/reviews.md

## What is SavvyPenny?

Finally, a budgeting app that doesn't feel like budgeting.
SavvyPenny is a chat-first budget assistant. No forms, no category dropdowns, no manual bookkeeping. You just tell Penny what happened:
"spent 50 on groceries"
"got 3000 salary"
"paid 12 for coffee"
...and Penny, your witty coin-butler mascot, logs it instantly: amount, category and time, all figured out for you. Every entry comes with a personalized (and slightly cheeky) confirmation. Penny roasts the splurges and hypes the paydays.

TOO LAZY TO TYPE? JUST TALK 
Hold to record a voice note (up to 30 seconds) in English or Arabic. Penny transcribes it, logs it, and can even read a short witty reply back to you. An animated voice orb shows when she's listening, thinking or speaking. Prefer silence? Toggle spoken replies off anytime.

A HOME SCREEN THAT SPEAKS HUMAN 
See today, yesterday and this week at a glance, with money in (green) and money out (red). One friendly bar answers the only question that matters: "how much can I spend today?" No accountant wording, just things like "$1,240 left to spend this month" and "stop spending ".

A BUDGET THAT ROLLS WITH YOUR LIFE 
This is where SavvyPenny is different. You get a daily allowance, and unspent money rolls forward to tomorrow. Overspend one day? It gets paced across the month instead of panicked over. You're only ever "over budget" if you blow the month's budget, not one expensive Tuesday.

Auto mode: income ÷ days, zero setup
Custom daily cap: you pick the number
Savings-goal driven: set the goal, spend what's left
Variable income? Choose what % of incoming money is spendable; the rest is auto-saved
Exclude reimbursements or work costs so they don't count as personal spending

SPLIT HAPPENS 
Trips, dinners, flatmates. Type "Chris paid 45 for pizza, split between everyone except Ziad" and Penny records who paid, who shares, then computes the minimum number of transfers to settle up. Exact who-pays-whom, one-tap "mark as paid", and a clean per-person breakdown.

REPORTS WITHOUT THE HOMEWORK 
Monthly KPIs (expenses, income, net), category breakdowns, a daily overview chart and a 6-month trend, all built automatically from the messages you already sent. Search any month by category, note or amount. A calendar view shows spending and income on every single day; tap a day to see its story. Edit or delete any transaction, anytime.

MEET PENNY 
Happy for a normal buy, concerned for a big one, full celebration mode for income. With 50+ rotating one-liners, even "crunching the numbers" has personality. Think of Penny as your money's favorite frenemy: always on your side, never letting you off the hook.


YOUR DATA, LOCKED DOWN 
Secure email and password accounts with private, per-user data. SavvyPenny doesn't connect to your bank; it only stores what you choose to tell it.
Managing your money should feel as easy as texting a friend. Download SavvyPenny and let Penny do the boring part.


## Version history (last 3 releases)

### 1.0.8 — 2026-08-19

Push notifications & ability to set currency

### 1.0.7 — 2026-08-11

Added:
- feature to share SavvyPenny's witty replies as screennshot
- ability to add & tag friends in expenses

### 1.0 — 2026-08-03

No release notes.

## More apps by XTND

- [Cinemall Lebanon](https://appshunter.io/ios/app/cinemall-lebanon/id1241471484)
- [Sharkiah](https://appshunter.io/ios/app/sharkiah/id1386174711)
- [Hjezle](https://appshunter.io/ios/app/hjezle/id1457004973)
- [Moviegoers](https://appshunter.io/ios/app/moviegoers/id1459231434)
- [Dareb](https://appshunter.io/ios/app/dareb/id1478245054)
- [Sportspulse](https://appshunter.io/ios/app/sportspulse/id1478255996)

All apps by XTND: https://appshunter.io/developer/735307218

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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 2026-09-14.*