Pennybeam: AI Money Companion

Make sense of everyday spending. Pennybeam™ brings your expenses, budget and AI money companion into one place, so you can spend less time entering numbers and more time understanding them. LOG EXPENSES YOUR WAY Say or type what you spent, or add a transaction with quick entry. AI helps categorize expenses, and you can review and edit the results. SEE YOUR BUDGET CLEARLY Track income and spending, set category limits and see what remains. Review your accounts, recurring payments and savings goals alongside your transaction history. TALK THROUGH YOUR SPENDING Choose a companion with a personality that suits you. Ask about spending patterns, explore category breakdowns and reflect on your week with clear summaries. BRING YOUR BANK STATEMENT Attach a CSV, XLSX or text-based PDF in the companion chat. Choose the file's date, number and currency formats, review suggested categories, correct operations and confirm what to save. Possible duplicates are flagged. Scanned and password-protected statements are not supported. BUILD EVERYDAY HABITS Use weekly recaps, recurring payment records and widgets to keep your budget close at hand. START FREE, ADD PREMIUM Manual transaction entry and history are available free. Premium adds custom categories, extended analytics and additional companion looks. AI requests and statement imports have usage limits. Available plans, prices and any eligible trial are shown in the app. Subscriptions renew automatically unless cancelled through your Apple account. AI features require an internet connection. Statement import uses files you choose; it does not automatically connect to your bank. This app does not execute trades or provide banking services. Privacy Policy: https://smartvestapp.com/legal/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://smartvestapp.com/support