PennyFi
No in-app products collected for this app.
| Rating | Price | |||
|---|---|---|---|---|
| Romania | 100%1 | 5.00 | RON 29.99 $6.63 | |
| United Arab Emirates | <1%0 | — | AED 19.99 $5.45 | |
| Afghanistan | <1%0 | — | $4.99 | |
| Antigua And Barbuda | <1%0 | — | $4.99 | |
| Anguilla | <1%0 | — | $4.99 | |
| Albania | <1%0 | — | $5.99 | |
| Armenia | <1%0 | — | $5.99 | |
| Angola | <1%0 | — | $4.99 | |
| Argentina | <1%0 | — | $4.99 | |
| Austria | <1%0 | — | €5.99 $6.94 |
Description
PennyFi — your money, in your pocket, on your terms.
Pay once, own it forever. No subscriptions, no bank logins, no ads. Your finances stay on your device — and PennyFi's smart features run on Apple's on-device AI, so nothing you enter ever leaves your hands.
KNOW WHAT YOU CAN SPEND
Safe to Spend: one number that answers "can I buy this?" — what's left after bills, budgets, and goals
Cash flow forecast: see your balance weeks ahead, before the bills hit
A customizable Home dashboard: net worth, cash on hand, upcoming bills, top expenses, and more
BUDGET YOUR WAY
Guided Budget Builder: answer a few questions, get a working budget
Classic methods (50/30/20 and friends) or fully custom categories
Budget calendar, spending pace, and gentle alerts before you overshoot
Budget together: share accounts and budgets with your partner over iCloud — you both view and edit, no extra account needed
EVERY ACCOUNT IN ONE PLACE
Cash, savings, credit cards, loans, and investments — in any mix of currencies
Savings interest tracking, debt payoff strategies (avalanche or snowball), and loan payments with an adjustable interest–principal split
Investment portfolios with live prices and performance history
EFFORTLESS ENTRY
Scan a receipt — amount, payee, and line items are filled in by on-device AI
Import bank statements from CSV or PDF, with smart duplicate detection
Rules auto-categorize as transactions arrive; PennyFi even suggests the rules
Split one purchase across categories, tag anything, log by voice with Siri
Review: sweep new transactions in a quick card session — and note how the spending felt
UNDERSTAND YOUR MONEY
Ask PennyFi anything about your spending — answered privately, on your device
Smart Insights that stay calm: snooze them or dismiss them for good
Spending anomaly alerts, subscription detection, weekly recap, no-spend streaks, age of money
Reflect: beautiful reports on where it all went, month by month and year by year
LIFE ADMIN, HANDLED
Recurring bills with reminders, calendar sync, and a Live Activity for the next bill due
Shared expenses with friends and settle-up math done for you
Savings goals with target dates and progress you can see
PRIVATE BY DESIGN
No bank connections — that's a feature: nothing to breach, no credentials to hand over
Face ID / Touch ID app lock
iCloud sync across your iPhone, iPad, and Mac; local backups and full CSV export any time — your data is yours to keep
AT HOME ON EVERY DEVICE
Built natively for iPhone, iPad, and Mac
Widgets for Safe to Spend, net worth, and more
Siri Shortcuts, global search, and full keyboard support on Mac
Available in 30 languages
One price. Every feature. Forever. That's the deal.