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