Penny: Track Spending & Finances, Save Money
A free app that helps you track spending, save money, and improve your finances.
- Current Version: 2.1.1
- Updated: September 25, 2017
- Requires Android: 4.4 and up
- Installs: 100,000 - 500,000
Chat with Penny, your personal finance coach, to securely track your spending and plan for a better financial future! Weâve helped hundreds of thousands of people already. Stress less and save more money with Penny!
â Money Tracking: Explains your spending and income with friendly messages and simple, beautiful graphs.
â Spending Insights: Shares fun and useful facts, like where you shop most or how much you spend on fast food.
â Bill Tracking & Reminders: Tracks your upcoming bills and credit card payments and reminds you when they're due.
â Spending Notifications: Notifies you when new transactions arrive.
â Automatic Categorization: Sorts your spending into simple categories, automatically.
â Unified Finances: Shows all of your transactions and balances in one place.
â Fee Alerts: Warns you when your bank charges you a fee to try and save you money.
â Spending Goals: Helps you set achievable spending goals and take steps towards saving more & improving your personal finances.
â Personal Finance Coaching: Unlike typical spending trackers like Mint, Penny also teaches you best money management practices like investing and using savings accounts.
â Security: Built with bank-grade security by industry veterans.
ðâAs Seen On
â New York Times
â Forbes: 12 Free Apps To Track Your Spending (2016)
â TechCrunch: Penny Is A Chat-Based Personal Finance Coach (2015)
â Lifehacker: Penny Tracks Your Spending and Walks You Through Your Budget (2015)
â Google Play Store Editor's Choice
...and many more!
â We use SSL 256-bit encryptionâthe same security protocol that banks use.
â Nobody, including you, can access your money with Penny.
â Penny never stores your bank credentials.
â Closing your Penny account deletes all information from our servers, as if you had never signed up.
â Penny supports thousands of banks and credit cards including: JPMorgan Chase, Bank of America, Wells Fargo, Capital One / Capital One Credit Card, Navy Federal Credit Union (Navy FCU / NFCU), American Express (AMEX), Citibank, USAA Bank, US Bank, Discover / Discover Card, BB&T, PNC, TD Bank, Regions Bank, SunTrust Bank, Huntington Bank, Boeing Employees Credit Union (BECU), Fifth Third Bank, HSBC Bank, NetSpend (MetaBank), Woodforest Bank, Simple Bank, Key Bank, Ally Bank, PayPal, and many more.
â Penny is currently only available in the United States.
NOTE: You must have a bank or credit card to use Penny. If you run into any issues getting your account connected, please contact us at email@example.com so we can help you!
Brandy B Published date: September 28, 2017
I absolutely love Penny! I've used Mint in the past but it never really did what I wanted it to do. Penny analyzes your spending and tells where most of your money is going and if you want to spend less money - allowing you to create a goal. She just gives good tips too. I can't wait to see any updates that come from this app. Full Review
Published date: September 28, 2017
Best spending Financial tracking app I have use. It has helped me so much. I love the easy interface and theme of Penny being your little finainal assist massaging with you. I love her random tips and help also I learned alot form that. I only wish there were more categories to track expensive like household goods split off from food. (I have the free one could be in the pay) Still love this app i can't wait to see future updates to make it even better!!!!! Full Review
sara strak Published date: October 31, 2017
I really enjoy this app. It makes understanding your finances a peice of cake. Especially somebody who is not very good at saving ð I've been reading a bunch of negative comments about banks not connecting but I haven't had any issues. I only gave it four stars because I feel there could be improvement. I recently switched from mint to penny. Penny by far is way more helpful. However penny lacks the ability to have a widget. I enjoyed mints widget that allows you to see the transactions that are pending and have already cleared. I feel that if penny had their own widget then they would be on top of the game. Full Review
Mark Schlitz Published date: October 31, 2017
A fairly good app. Would like to see a "review/new items" screen to more easily identify and categorize items. I'd also like to be able to rename or customize categories. Only 3 stars as the better features are locked behind Penny+ and it costs 50 bucks per year!! Way too expensive for simplistic app. Full Review
Justine Ruiz Published date: December 8, 2017
Im liking tbis app so far, ut is helpful to find out what ive been spending my money on. It was easy to sync with my banks accounts. Wish it would recognize transfers to savings accounts. Theres no category for that. Please add, it throws off everything because penny thinks im taking out alot of money when im actually putting it in savings. Full Review
Ben Dover Published date: November 13, 2017
Was skeptical at first if I could trust an app like this, but it has been reliable and very friendly as it holds me accountable for my expenditures. Struggles a little bit with categorizing certain transactions, but there is a pro version available to address that issue. For casual account tracking, this app is for you! Full Review
Published date: October 5, 2017
I'm sure I would love this app but it's been days and it still hasn't linked to my transactions so I need to know how to delete this app like delete all of my info out of it! Then I will uninstall it. I've emailed the support team yesterday and still haven't gotten a reply so that's not an option either. Full Review
Jen Donald Published date: October 3, 2017
Good app - I'm using the free version but am considering the upgraded version. This app had helped me get a view of how I'm spending my money and where I need to make changes. It has good recommendations and keeps you informed of current financial events, such as the Experian breach. Full Review
Afonne Alimole Published date: October 2, 2017
After the Level app was closed down, I found Penny as a replacement. It has been extremely helpful in monitoring and managing my finances. Very user friendly interface and shows me exactly what I want to see. Can't wait until they are able to link with more of my financial accounts. Full Review
jason coffey Published date: October 31, 2017
Came unlinked from my bank gave it valid information about 5 times or so and according to the app the info was wrong. So if my bank has an issue with this app there must be a reason. I really hope my account isnt compromised because of all the time this app was properly linked. Goodbye penny i wont trouble you further Full Review
Eduardo Published date: December 13, 2017
It's very subtle how this app interacts with you. Instead of a notification with a tone, she (the app) just appears in your notification bar at non specific times (at least I haven't noticed a pattern) waiting for you to interact with her. That's my favorite part, it's not crashing in on my already demanded and scattered attention. Great app overall for money tracking and budgeting. I paid premium for the whole year, it's a bargain. Full Review
Sara Estan Published date: October 5, 2017
This is my favorite money app. I have the plus version and its worth every penny (pun intended) as they improve. I was in severe debt and am working on building my credit. This is a great way to help me keep track of my finances and work to be more responsible. Full Review
TheFightingFelix Published date: October 5, 2017
There are some flaws with this app. For example not all expenditures are correctly accounted for, and you can rearrange things to more accurately fit what actually happened. But it's a great snapshot of you spending. And certainly illuminates areas that one might consider as a weak point in your spending. Full Review
LaLa Stylemasters Published date: October 14, 2017
This app has proved valuable day 1! I would've missed a $20.00 overcharge if not for Penny telling me about the transaction THAT DAY! I also enjoy the text type communication. Download this app today! Full Review
Jenny Mena Published date: November 27, 2017
I appreciate having a "fake" convo to analyze different aspects of my finances. She really does have a lot of cool features such as seeing how much you have in each bank, looking at how much specifically you've paid in categories like food shopping and trying to set goals for improving your finances. Also, she manages to find positives in your finances which is a great thing for those who are new to judging their own finances. Full Review
Chris Padgett Published date: October 1, 2017
This app is great so far. My only gripe at the moment is I set up a goal to use less money, specifically spend less in fast food, and I got gas. The gas station was at a panda express. So the app put it towards my goal and I can not change it. At least I don't know how to. Full Review
Ashley Zavala Published date: October 12, 2017
I'm so unorganized with my finances and Penny is like my personal little accountant angel. I don't know how I've survived as long as I have without her. And she's so cute! Thank you to the developers of this app you guys area freaking godsend. Penny is amazing. Full Review
Morgan Mix Published date: October 7, 2017
Love this app! Its been great keeping track of what I spend and getting tips on how to spend less and save more. I have the premium version and I think it is totally worth it. Im a college student, and noticed the amount I spend of fast food is out of control. It keeps me in check on all of my "extra" spending and even allows me to have goals to accomplish! Full Review
Hannah Collins Published date: October 20, 2017
Would not connect to my account even though my bank was listed. And there's no work around. It has to connect to your account right there or it won't go any further. Waste of my time. Full Review
Kayla Mueller Published date: November 3, 2017
The app is pretty easy to use and understand. I like that it shows the trend for my spend versus earn and helps set goals to save money. Some of the pro features would fill in the gaps of features that I want but at this time I'm not willing to pay the subscription. Full Review
nathaniel Hayes Published date: November 8, 2017
This app makes me confront financial truths I try to hide from. It's been very beneficial. It has helped me cut down on unecessary spending big time. Full Review
Tabatha Dowdy Published date: October 17, 2017
penny helps me keep track of what I'm spending. Seeing how much money I spend on certain things had helped me cut back. She also reminds me when bills are due! Very helpful in my busy life! Full Review
Allison Bermudez Published date: October 2, 2017
It's fun and easy using Penny; it's like texting a little sister you actually like who happens to be a wiz at tracking your finances. Penny will also bring up how to improve those finances and other helpful things like, after the Equifax fiasco, how to protect your identity! Full Review
Yasmin Llevada Published date: October 19, 2017
It has been several days and it still has not linked up my account. Also there is no drop down menu or any tabs so I can't even erase my information. I sent an email to support 2 days ago AND STILL have not heard anything from them. Someone needs to let me know how I can delete my banking information when there is no tab or settings in the actual app. I'm really starting to think this was a scam app. Full Review
Kaleimy Colon Gonzalez Published date: October 13, 2017
started great but then the system began changing all of my expensives to income . And they made my direc deposit as an expense. I wrote to them explaining the situation and they said they will get back to me. I wonder when that will be because im still waiting. I got tired of it and just uninstalled it. Full Review
David Holthaus Published date: November 20, 2017
Pretty useful app, it gives some a lot of unique insights into my spending and the free version does a decent job of tracking and categorizing transactions. My only complaint is it won't track one of my accounts so I'm only getting partial transactions, such throw off my actual spending amounts Full Review
Amber Boudreau Published date: October 2, 2017
Really helpful to see exactly where your money is going and to keep track of spending. I use this app daily and it has helped me cut back in categories I didn't realize I was spending so much on. Full Review
cjmorro2 370930 Published date: November 24, 2017
Penny breaks down finances and spending in a comprehensive manner. Just in three months I've been able to find where I spend the most money and cut back sending by category to build savings! Much more helpful than relying on bank statements to track finances and spending! Full Review
Jessica Brunelli Published date: November 13, 2017
I love the language she uses, like talking to a person you know. She tells me things I didn't know I should be noticing and has really helped me be more aware of where my money is going. I love all the knowledge. Full Review
Carrie Lynn Childers Published date: December 16, 2017
I love this app! My husband loves it more. I am kind of intimidated by her and I am afraid to spend money because I don't want her to yell at me ð( she doesn't tell at you I just see it like that) My husband is grateful because I don't spend as much. There are a ton of features in this app. Full Review
Charisse Johns Published date: October 5, 2017
Penny is awesome..... didn't realize how much unnecessary money I was spending until penny broke it all down and showed me how to spend correctly. Beside that penny is awesome and has a lot of great features to use and reminders Full Review
Theodore Polikovskiy Published date: December 15, 2017
I don't trust my money red haired girl. This app is more chat than money tracking. Full Review
Jeff Kaemmerling Published date: September 26, 2017
It's an extremely well done application with a powerful AI behind it, so hats off to the development team. It's a great way to keep track of your expenses and, more importantly, goals but in less stressed, casual manner. This app also evokes the "push" method of monitoring finances which is the feature that I most desire. Full Review
Jeff Hernandez Published date: October 16, 2017
Pretty good app but it is marking my income as a withdrawal instead of a deposit and there seems to be no way of changing it. Because of this, it is not accurately tracking my spending habits. Full Review
Walter Ballion Published date: October 20, 2017
A spending tracker that I actually use! I've started too many of the competetors and always either had problems or found them easy to ignore, not so with penny. Definately the honey vs vinegar approach! I love the random analytics and tips it offers. I am a penny+ member and very pleased to be. I would like to see multiple plus membership payment plans (annual vs monthly) and perhaps some disount offers. And a more complete faq, or a master list of "something else" entries as that is a feature id like to utilize. Oh and a way to mark a conversation for saving for later would be amazing! I manage the finances for my household and would love to be able to pull up a prior spontaneous penny conversation to show my wife. Full Review
Sara Taylor Published date: November 25, 2017
The only finance/budget app I've kept for more than a few days! I like having what feels like a real person to keep me accountable with my money Full Review
Lily Pinks Published date: October 14, 2017
It could of been great I don't know. but I couldn't connect to my bank. It kept saying that wells Fargo sent a code phone but I never got it. I tried multiple times. Full Review
Stephanie Escalante Published date: October 14, 2017
So far I'm loving this app! It's thought me things I never thought of and ever since I started using I have been saving more and more money(: Full Review
Lee Nuxunumo Published date: November 6, 2017
Amazing app. Although there should totally be an option to share referrals via social media instead of just SMS. My friends think it's spam D: Full Review
Libby Hernandez Published date: November 10, 2017
This app really helped me keep on eye on spending and helped me see my spending problems! And I LOVE the interaction with penny. It makes it fun Full Review