Your money.
Understood.
Pennie tracks your net worth, coaches your spending decisions, and lets you save together with friends all in one clean app.
Features
Built for real life.
Net worth, expenses, shared goals and AI coaching everything in one focused experience.
Net Worth Overview
Bank balance and investments in one number. Your complete financial picture, always up to date.
Expense Tracking
Log income, expenses and investments in seconds. Set a budget and track your savings rate in real time.
Shared Goals
Create savings goals and invite friends to contribute. From weekend trips to big life milestones.
Investment Tracking
Track your ETFs and portfolio over time. See total return and net worth growth side by side.
Future Self
Project how today's habits compound into tomorrow's wealth. Plan smarter, live better.
Pennie AI
Ask anything about your money. Pennie analyses, coaches and keeps you on track.
Just tell Pennie
what happened.
Ask anything about your finances. Pennie analyses your patterns, coaches your spending decisions, and keeps you moving toward your goals like a financial advisor who actually knows you.
Shared Savings
Save together.
Win together.
Goals are more powerful with accountability. Invite friends, split targets, and track progress in real time.
Pennie Skins
Make it yours.
Unlock custom looks for your ghost as you hit milestones. Six skins available with more on the way. Invite friends to unlock the Cowboy first.
Insights
Know exactly
where you stand.
Premium breakdown of your net worth composition, spending categories, savings rate and portfolio growth all in one view.
Privacy
Your finances are yours alone.
Financial data is among the most sensitive information there is. We built Pennie with privacy at the core not as an afterthought.
We can't see your data
Your financial data is stored encrypted on your device and in your personal iCloud. We have no access to your balances, transactions or goals ever.
No selling, ever
We don't sell your data to third parties, advertisers or data brokers. Your financial life is not a product. Pennie makes money through subscriptions full stop.
Manual entry only
Pennie doesn't connect to your bank. You log what you choose to log. No read access to accounts, no automatic syncing, no third-party data pipes.
End-to-end encrypted
All sensitive data is encrypted end-to-end and unreadable to anyone but you. Not even Pennie can access your information ever.
Ready to start?
Join the free Beta and take control of your finances today.
Download on TestFlightiOS only · Free Beta · No credit card needed