Track spending, set savings goals, manage bills, and understand your cashflow — all without accounts or clouds. Your financial data never leaves your device.
Coming Soon on the App StoreFree to use. No subscriptions.
Features
Simple, powerful tools that help you understand where your money goes and where it should go next.
Budget Tracking
Set monthly budgets by category and watch your progress in real time. Visual progress bars show exactly where you stand — no surprises at the end of the month.
Transactions
Log income and expenses with categories, notes, and accounts. Search and filter to find any transaction instantly.
Savings Goals
Whether it's a vacation, emergency fund, or a down payment — set goals, track progress, and see projected completion dates to stay motivated.
Bill Management
Keep all your recurring bills in one place. Overdue alerts and upcoming due dates ensure you're always ahead of your obligations.
Insights
Understand your financial health with cashflow trends and a complete view of all your accounts.
Cashflow Trends
Income vs. expenses over time
Account Overview
Net worth and all balances
Smart Dashboard
Alerts and monthly summary
Privacy First
Pennywise was built from the ground up with one belief: your financial data belongs to you and only you.
No sign-up, no email, no passwords. Just open the app and start budgeting.
Your transactions, budgets, and balances live entirely on your phone. No cloud sync, no server storage for your financial information.
Your financial data — transactions, budgets, goals — never leaves your device. We collect anonymous usage analytics to improve the app, but never your financial information.
Pennywise is launching soon. Free to download, no subscriptions, no hidden costs.
Available for iPhone and iPad