Penny - Track Your Money, Bills, Saving & Spending

Penny - Track Your Money, Bills, Saving & Spending

By Friendly Finances, Inc.

  • Category: Finance
  • Release Date: 2015-06-13
  • Current Version: 2.0.6
  • Adult Rating: 4+
  • File Size: 6.87 MB
  • Developer: Friendly Finances, Inc.
  • Compatibility: Requires iOS 8.0 or later.
Score: 4.5
From 800 Ratings


Chat with Penny to securely track your spending and plan for a better financial future! We’ve tracked millions of transactions and helped hundreds of thousands of people. FEATURES • Explains your spending and income with friendly messages and simple, beautiful graphs. • Shares fun and useful facts, like where you shop most or how much you spend on fast food. • Tracks your upcoming bills and credit card payments and reminds you when they're due. • Notifies you when new transactions arrive. • Sorts your transactions into simple categories, automatically. • Offers friendly suggestions on how to get the most from your money. • Shows all of your transactions and balances in one place. • Warns you when your bank charges you a fee. • Helps you set achievable goals and take steps towards improving your financial health. • Built with bank-grade security by industry veterans. PENNY IN THE MEDIA • TechCrunch: Penny Raises $1.2M in Funding For Its Personal Finance Bot • New York Times: Jamie Dimon Wants to Protect You From Innovative Start-Ups • Forbes: Look Here For A Glimpse At Facebook’s Chatbot Future • TIME: 25 Websites That Will Help You Stick to Your Resolution • Lifehacker: Penny Tracks Your Spending and Walks You Through Your Budget • Product Hunt: A Personal Finance Coach That’s Simpler Than Mint ...and many more! BANK LEVEL SECURITY • We use SSL 256-bit encryption—the same security protocol that banks use. • Access to Penny is protected by TouchID fingerprint authentication. • Nobody, including you, can access your money with Penny. • Penny never stores your bank credentials. • Closing your Penny account deletes all information from our servers, as if you had never signed up. FREE Penny is completely free to use, and we don’t sell your information to anyone! PENNY+ SUBSCRIPTION: Penny offers a premium membership called Penny+. With a Penny+ membership, you can turn on more categories, edit transaction names, refresh your balances whenever you want, and more. Your Penny+ membership will automatically renew at the end of each term and your credit card will be charged through your iTunes account. You can turn off auto-renew at any time from your iTunes account settings. Privacy Policy: Terms of Use: Note: Penny is currently only available in the United States.



  • Still needs work

    By hhg149
    Still needs to be as good as Siri interpreting questions and such, but man this is such a great app. My favorite BY FAR
  • Love it!

    By MurphyGirl22
    Just missing a few extra catagories! but it totally helps me keep track
  • Perfect!

    By Katiekirks1234
    Wow I just wrote this really long review raving about this app and it got deleted. So just know this app is awesome, and the customer service is awesome. It's super easy to use and makes keeping track of your finances pretty stress free and fun (I have a weird definition of fun but I enjoy it). The free app is great, but Penny+ is totally worth a couple extra bucks!!
  • Best way of tracking expenses yet!

    By shawnhuang1992
    Love the interface, how easy it is to categorize transactions, and the abilities to use subcategories and change transaction names with the plus subscription. Would be nice to have ability to split transactions into smaller transactions.
  • I never pay for apps...

    By The Web King 11
    ... but I paid for Penny+. That's how much I liked the app. I would love to be able to get some of the reports, insights, and goal features outside of the chat. I actually thought I'd hate the chat at first, but now I love it. I just wish I could get some of Penny's random insights on demand. Either that, or, actually be smart enough to give me analytics based on unique requests (I'm sure this is the long term goal). Great app. I'll be a continued user for sure.
  • Different yet Personalized

    By TES*1
    I've never written a review - ever! You must be doing something right if I am-without prompting! If you're looking for an app to remind you that bills are due, how much you owe and ultimately pay them, then this is not the right app for you. If you're looking for a super easy way to have your spending analyzed, breakdown of simple categories and look for ways for you to save money all with a fun personalization, then this is DEFINITELY you're app. It even told me Chipotle was hacked in April well before hearing it on the news. Kudos to the designers. It's a unique and fun way to help me attempt to save money, set goals and put me in shock at what I actually spend on specific items! Reality check for sure!
  • Love it!!!

    By jcurran999
  • Amazing app

    By icefish5000
    Penny is useful, enjoyable and unique. It's distinct from other budgeting apps because the main interface takes the form of a chat with an impressively-programmed and warm-sounding personal finance coach named Penny. This may or may not be the kind of thing that you're looking for, but I've found the app to be handy and essential to keeping tabs on spending. I needed an app that would track purchases without requiring me to manually every transaction, which is how a lot of other budgeting apps work. Penny securely connects to my accounts and automatically logs each transaction into one of 5 spending categories. At first I thought the 5 categories would be limiting, but they've worked well so far. The transaction history feed is gorgeous and it's very easy to recategorize purchases. The chat feature is what makes the app special. Penny sets monthly goals in specific categories, analyzes patterns, suggests other apps and articles, and even offers guidance on the investing process. I've taken screenshots of chats with Penny, her advice is so useful. You don't have the level of control or tweaking you might have with a more elaborate app, but sometimes the meticulous budgeting features of other apps can be a headache or overwhelming. Penny streamlines the process pretty well. This is a really generous, thoughtfully designed app. It makes personal finance approachable and strangely addicting. I sometimes open Penny for no reason when I'm bored just to see what she has to say. Many thanks to the makers!
  • Helpful App

    By billybob1990
    This app is very helpful in keeping track of my finances. It comes up with different ways to track and visualize my financial habits. I highly recommend
  • Great finance ago

    By Spike4186
    Very easy to use and accurate info!!