Penny Echo AI Finance Tracker
Ilia Miasnikov Finance iPhoneiPadiPod touch
Penny Echo AI Finance Tracker is a free Finance app for iPhone and iPad by Ilia Miasnikov. Requires iOS 15.0. Updated January 2, 2026.
- Price
- Free
- on the App Store
- Size
- 49 MB
- Age 17+
- Updated
- Jan 2
- 2026 · v1.0.46
Screenshots
About Penny Echo AI Finance Tracker
Penny Echo is more than an expense tracker — it’s your personal AI-powered finance coach. Simply speak to add transactions, and let AI take care of the rest. From daily coffee to long-term investments, Penny Echo gives you a full picture of your financial flow. With smart analytics, personalized insights, and AI recommendations, you’ll always know how to keep your budget balanced and your savings growing. Key Features • Voice-powered input – add transactions instantly with simple voice commands. • Smart statistics & charts – get clear overviews of your spending and savings. • AI insights – receive personalized tips to improve your budget and investment strategy. • Budget planning – set goals for savings, investments, or emergency funds. Why Penny Echo? Managing money shouldn’t be stressful. Penny Echo combines simplicity with AI intelligence, helping you save smarter, invest better, and achieve financial balance.
What’s new
Version 1.0.46 · Updated January 2, 2026
This update focuses on stability, reliability, and long-term maintainability of the app. Version 1.0.46 does not introduce new user-facing features, but it significantly improves how existing functionality works under the hood. What’s improved in this version: • Refactored intent flow architecture across the entire app • Cleaner and more predictable behavior for analytics, transactions, receipts, voice, and text interactions • Improved follow-up intent handling for more consistent responses Analytics and insights improvements: • Fixed cashflow trend visualization issues • Improved category-based analytics markup rendering • Enhanced savings projections charts for clearer comparisons • More consistent value comparison rows in analytics views • Better handling of complex multi-markup analytics responses UI and screen-level improvements: • Major cleanup and optimization of the main screen code • Improved performance and structure of the Coach Hub components • More reliable transaction list linking and navigation • Reduced visual inconsistencies in analytics-related UI elements Stability and code quality enhancements: • Simplified and optimized internal intent cubit logic • Improved flow coordination between intent handlers • Reduced duplicated logic across intent implementations • Cleaner separation between intent processing, analytics logic, and UI rendering Testing and internal reliability: • Updated analytics intent flow tests to match the new architecture • Improved coverage for complex analytics scenarios • More reliable internal mock data used in tests Why this update matters: • Analytics responses are more stable and predictable • Financial charts and projections render more consistently • Intent-based interactions behave more reliably across different scenarios • The app is now better prepared for future feature development This release reduces technical debt while improving performance and stability. No action is required from you. Simply update the app and continue managing your finances with a more reliable and polished experience. Thank you for using PennyEcho and helping us improve with your feedback.
App privacy
The developer, Ilia Miasnikov, reported these privacy practices to Apple.
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Diagnostics: Crash Data, Performance Data, Other Diagnostic Data
- Financial Info: Other Financial Info
Used for: Analytics, App Functionality
Alternatives to Penny Echo AI Finance Tracker
Looking for apps like Penny Echo AI Finance Tracker? Here are 6 similar apps on the App Store. The highest rated is AI Expense Tracker - Dengii (3.0/5), and all 6 are free to download.
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richAI: Expense Tracker
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±BudgetAI: Expense tracker
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Vega: AI Money Tracker
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Fintrack - AI Expense Tracker
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AI Expense Tracker - Dengii
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Money Tracker AI
| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| Penny Echo AI Finance Tracker | – | Free | January 2, 2026 | |
| richAI: Expense Tracker | – | Free | Oct 19, 2026 | Compare |
| ±BudgetAI: Expense tracker | – | Free | Sep 1, 2026 | Compare |
| Vega: AI Money Tracker | – | Free | Oct 2, 2025 | Compare |
| Fintrack - AI Expense Tracker | 1.0 / 5 (1) | Free | Feb 20, 2026 | Compare |
| AI Expense Tracker - Dengii | 3.0 / 5 (2) | Free | May 27, 2026 | Compare |
| Money Tracker AI | – | Free | Sep 8, 2026 | Compare |