Penny: Money Manager

Penny is a private, local-first finance app for expenses, budgets, savings goals, shared bills, investments, and net worth. Track spending, manage money across currencies, and keep your finances organized in one place. TRACK EXPENSES & INCOME • Record expenses, income, and transfers • Add transactions manually, by calculator, or voice • Attach receipts and use custom categories • Track recurring bills, income, and subscriptions AUTOMATIC TRANSACTION TRACKING • Capture supported transactions using Apple Pay and iOS Shortcuts • Process supported bank SMS and payment notifications • Create rules to categorize future transactions • Remember account mappings and help detect transfers and duplicates • Review imported transactions before adding them LIVE STOCK PORTFOLIOS • Create portfolios for investing, retirement, or trading • Track stock prices from Yahoo Finance, where available • Monitor returns, daily profit and loss, and XIRR • Review purchase lots, average cost, and past prices • View investment performance on your dashboard BUDGETS & SAVINGS GOALS • Set monthly or yearly budgets and track spending • See your remaining safe-to-spend amount • Set savings goals, amounts, and target dates • Track progress toward each goal SPECIALIZED FINANCIAL ACCOUNTS • Credit cards: track balances and credit limits • Loans and mortgages: track interest, EMIs, and estimated payoff dates • Fixed deposits: track rates, accrued interest, and current value • Manage bank accounts, cash, investments, property, and other assets or liabilities • Include market gains and accrued interest in net worth, or use cost basis only WEALTH & NET WORTH • See assets, liabilities, and net worth in one place • Track net worth and investment values over time • Explore projections of potential wealth growth MULTI-CURRENCY SUPPORT • Record transactions and transfers in multiple currencies • Use available or custom exchange rates • Split shared expenses across currencies • View group balances in the group's default currency SHARED EXPENSES • Share accounts with friends, family, or your partner • Split expenses equally, by amount, percentage, or shares • Track who owes whom and settle balances • Review member activity and spending FINANCIAL INSIGHTS • Explore spending trends, category breakdowns, and reports • Compare daily, weekly, monthly, yearly, or custom periods • Track your saving rate and financial progress IMPORT YOUR FINANCIAL HISTORY • Import PDF bank statements, CSV and Excel files, plus supported finance-app files • Preview tables, identify headers, and map columns • Map dates, descriptions, amounts, debits, credits, and balances • Reduce duplicate and balance-only entries RECURRING BILLS & SUBSCRIPTIONS • Track upcoming bills, subscriptions, and scheduled income • Review payment dates, amounts, and regular commitments PRIVATE BY DESIGN • No mandatory account creation • Offline use for supported features • Your financial data stays on your device • Protect the app with Face ID or Touch ID • Use password-encrypted local backups and optional encrypted iCloud backup HOME SCREEN WIDGETS • View spending, budgets, and goals at a glance • Add transactions and monitor budgets quickly AVAILABLE IN 13 LANGUAGES English, Japanese, Simplified Chinese, Korean, German, French, Spanish, Italian, Brazilian Portuguese, Arabic, Russian, Turkish, and Hindi. Enjoy Light and Dark Mode, custom accounts and categories, and interactive dashboards. Track spending, invest, plan repayments, save for goals, and split bills, all while keeping your data under your control. Your Money. Your Data. Your Future.