My Penny

Penny is a calm, private way to see exactly what you can safely spend — without spreadsheets, bank logins, or an expensive subscription. Most budgeting apps overwhelm you with charts or ask for your bank passwords. Penny does the opposite: you enter your income, bills, and goals, and it turns everything into one clear number — your Safe to Spend for the rest of the month. Everything stays on your device. No bank connections. No ads. No tracking. SAFE TO SPEND • One clear number for what’s left to spend this month • Automatically accounts for income, bills, spending, and savings BUDGETS THAT MAKE SENSE • Simple category budgets with healthy / near-limit / over states • See planned vs. spent at a glance BILLS & REMINDERS • Track recurring bills and due dates • Optional reminders before a bill is due SAVINGS GOALS • Set goals and see how much to save each month to reach them DEBT & FORECASTS • Estimate debt payoff timelines • Peek a few months ahead with lightweight forecasts (always labeled as estimates) WIDGETS • Safe to Spend and next-bill widgets for Home and Lock Screen PRIVATE BY DESIGN • All data stored on your device • No bank logins, no analytics, no ads, no accounts PENNY PRO (optional) Unlock unlimited savings goals and Pro features. Available as an annual subscription with a free trial, or a one-time lifetime purchase. Penny is fully usable for free. Penny supports CAD, USD, GBP, EUR, and AUD. --- Penny Pro (Monthly) is an auto-renewing subscription. Payment is charged to your Apple Account at confirmation. It renews automatically unless canceled at least 24 hours before the end of the period. Manage or cancel anytime in Apple Account settings. Privacy Policy: https://mayooranthava.github.io/penny/privacy-policy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/