Penny - On-Device Money Friend

Penny reads your bank statements and turns them into plain-English answers — entirely on your iPhone. Nothing ever leaves your device. No account, no cloud, no tracking. Just tap to upload a PDF or CSV from any bank. Penny detects the bank, categorises every transaction, and learns your corrections. Then ask it anything: • "Can I splurge right now?" • "Where's my money leaking?" • "Which subscriptions am I not using?" • "Roast me." WHAT PENNY DOES • Works across all your accounts — spot patterns your bank apps can't show alone • Finds ghost subscriptions you forgot you're paying for • Tracks your salary, savings rate, and what's safe to spend • Beautiful spending breakdowns and month-on-month trends • Powered by Apple Intelligence, on-device — your data stays yours PRIVATE BY DESIGN Penny has no servers and no sign-in. Your statements, transactions and questions are processed on your iPhone's Neural Engine and stored only on your device. Wipe everything any time. Your money, understood.