MyPennyPal

MyPennyPal turns your money into a plan you can actually follow. Instead of guessing, you open the app and see one number: what is genuinely left to spend this month, after your income, your bills and everything you have already spent. BUILD A BUDGET THAT FITS YOU • Start with 50/30/20 or 70/20/10, or set your own percentages • Prefer envelopes? Give each category its own spending limit • Zero-based budgeting is here too, if every penny needs a job • Change your approach whenever you like — nothing is locked in KNOW WHERE YOU STAND • A clear monthly view of income, spending and what remains • See where your money actually goes, by category and over time • Attach a photo of a receipt to any expense • Download a monthly PDF summary whenever you need one NEVER BE CAUGHT OUT BY A BILL • Add rent, subscriptions and recurring bills once • MyPennyPal creates them each month and reminds you before they are due • Get a nudge as you approach a limit, not after you have passed it PLAN AHEAD • Set savings goals and watch them fill up • "Can I afford it?" checks a purchase against your real budget first • Test "what if?" changes before they touch your actual money PRIVATE BY DESIGN • Lock the app with a passcode, fingerprint or face • Hide every figure on screen with a single tap • Your financial data is encrypted and stored securely • We never sell or share your information with anyone else WORKS IN YOUR CURRENCY Choose from Kwacha, Naira, Cedi, Shilling, Rand, Rupee, Pound, Euro, Dollar and more. Every figure in the app follows the currency you pick, from your very first setup screen. MyPennyPal is a budgeting and planning tool. It does not provide financial, investment or tax advice.