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: 2.0.7
  • Adult Rating: 4+
  • File Size: 7.12 MB
  • Developer: Friendly Finances, Inc.
  • Compatibility: Requires iOS 8.0 or later.
Score: 4.5
From 804 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.



  • So helpful

    By triplead4
    Penny has been so incredibly helpful for me and my wife. I get a notification whenever there has been a new transaction - a friendly reminder that I just spent money. Penny has notified me of bank fees, told me how much I'm spending on Uber, and even that Netflix is raising its prices. All of these alone aren't impressive, and I could figure it out myself. But I love penny because I don't have to. She just tells me the information when it matters. Makes things a lot easier for me. Thanks!
  • Keeps getting better 👌

    By SirElephant
    I've been using the app for a long time, and it just keeps getting better.
  • It's useless

    By Jdmges
    I tried linking my Citi account and it doesn't recognize my information, and when linking my Discover account it says that I can't get the statements from that bank. It's not functional.
  • Simple and Easy

    By Mattyyy123456789
    I recall downloading Penny over a year ago, and have been nothing but satisfied to this point. Opposed to the constant struggle of navigating through a mobile app to understand financials and spending habits, Penny creates an easy and quick way to understand the landscape in a matter of seconds. Penny truly puts a positive spin on an old concept and creates a seamless user experience. Best of all, it is clear that the team is constantly optimizing and improving the experience. If there is one app out there for tracking your financials, then I would recommend downloading Penny!
  • 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!