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 806 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.



  • Charming and helpful lil app

    By Yellowsamuel
    Penny is a wonderful app, it's very easy to setup and link your accounts. Using it is a bit of a surreal experience at first, it's a lil odd that Penny actually "talks" to you but you get used to it quickly. Her fun facts are probably the best bit of the app, wish there was a feature to get them more frequently. Sends account notifications almost immediately as they happen. The graphs and data that Penny presents about your spending habits are clean and easy to follow. This app is like having your own financial adviser. I think it's the app simplistic and clean layout that makes it so appealing and fun to use. Edit: I have to update my review, sadly not for the better. The app worked well for about 3 or 4 months and then for whatever reason stopped updating my account balances/transactions. Some communication login error with my bank. Gave it two months to see if it could be fixed, app support were helpful and communicative about the issue. Sadly without having updated balances/account information the app is now useless. Quite a shame.
  • This app is awesome

    By Tim9011
    Very helpful
  • Makes your finances approachable

    By wizfan992
    I've been using Penny for over a year now, and the app has made it so much easier to understand my finances. The developers are super responsive too. Highly recommend!!
  • 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!!