Pennies – Budget and Expenses

Pennies – Budget and Expenses

  • Category: Finance
  • Release Date: 2014-10-09
  • Current Version: 5.7
  • Adult Rating: 4+
  • File Size: 90.52 MB
  • Developer: Super Useful Ltd
  • Compatibility: Requires iOS 10.0 or later.
  • Rating Count: 1 820


Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people. ••• Read the reviews and see what people are saying ••• "The easiest and simplest budgeting app ever" "Been using it everyday for a year now - and my bank account shows it!" "The perfect, simple budgeting app that actually helps me save" "Life Changing" "You need this app!" ••• MAIN FEATURES ••• > HELPS YOU KNOW HOW MUCH TO SPEND Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow. > HELPS YOU SAVE MONEY Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track. > MORE PERSONAL THAN ANY OTHER BUDGETING APP Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle. > INSTANTLY SYNC VIA ICLOUD Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you. > AS MANY BUDGETS AS YOU NEED Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up. > FLEXIBLE EXPENSES Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money. > MULTIPLE CURRENCIES Use any currency in the world for individual budgets. > TRANSFER BETWEEN BUDGETS Easily transfer money between budgets with a single click. > SUPER SIMPLE, SUPER QUICK Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know. > 3D TOUCH SUPPORT Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+ > TODAY WIDGET SUPPORT Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies. > BUDGETS ON ALL YOUR DEVICES Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go! Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple. Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month. So, start budgeting how you want, when you want, without any worry. Start using Pennies today! If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too. Check out Pennies in action: Follow Pennies on Twitter – Contact me –




    By Kate Koposova
    I absolutely love the app! It’s the perfect combination of design and efficiency! It’s beautiful, and it allow me to track my expenses easily and idiosyncratically. One thing that would be great if added is the ability to see how much I spend in a given period of time — e.g day vs week vs month vs year etc. Thank you!
  • Pennies Review

    By s.a64
    Very Simple and easy to use for managing your expendable cash. Also helps you to be accountable with your bank account and makes it exciting to save.
  • Was great... problems now

    By Rcvf4004
    I’ll be happy to change my review when it’s fixed. Used to be perfect. Now it freezes all the time on my iPhone X. I only have trouble with this app.
  • Great app, would be awesome with a password.

    By JimCarm
    I’m not good at accounting at all, my husband is. I’m just learning to manage a bank account. This is real easy. I would feel much more secure if I knew there was no possibility of someone seeing my account information. It would be perfect with a password set up. Thank you for the easy app. I looked at everything, tried others and deleted them. This is a keeper!
  • Waste of money

    By Rmyno1981
    Too confusing to use🤔 3.99 wasted
  • Beautiful, simple, awesome

    By Icpark
    Emile, the creator, is very responsive and kind and did an amazing job with the app. It’s very simple and beautifully designed with great UX and animations and transitions. And Apple Watch complication is STELLAR and so essential for me. It’s my only budgeting app now.
  • Really Laggy - Unusable

    By CjocoDoll
    The designed functionality and features themselves are no problem. Aesthetics are nice too. However, the app is really laggy and crashes on me without fail nearly every time I try to make any type of change, making it impossible and really frustrating to use efficiently (kind of defeating the purpose of having this app in the first place). My list is about 23 items long, if that helps as a reference. I wasted at least a good 30 minutes on trying to complete my updates. This had been an issue on my 6S for months so I stopped using the app completely, and when I recently upgraded to one of the XR, I was hoping there would be no issue. Unfortunately, the same issue persists.
  • Works very well

    By PacificRy
    This app is so darn handy! It has all the tools I need to budget, and none of the junk I don’t need. I’ve been using this app for years now and it’s been great. It also seems to be stronger on privacy than some other budgeting apps. For example, I don’t need to create an account with my email address and password, with my info uploaded to a website. It also doesn’t have me link my bank and credit card accounts.
  • Pennies (for just pennies a day)

    By pmfixit
    Great app! This has made my life so much easier! I was tracking all my expenses in an excel spreadsheet when I had the time. Having an app like this to update my expenses real time is a time saver.
  • Can’t share with family

    By Brywhi
    Really a great app but with one major flaw, which is that you can’t share a budget with your significant other. This kind of defeats the entire purpose, because if only one person is following the budget, then you’re not really making any progress. The only work around the developer suggested is to share an icloud account, which is just plain silly. So yeah, I can track MY expenses, and she can tracks HERS. But if want to know how WE are doing, we have to break out the spreadsheet.
  • Waste of money

    By hfjchb
    It doesn’t do half the stuff some of the free apps do
  • Very satisfied

    By Alofonz
    Very useful and easy to use app. Thanks for putting this out
  • Slow

    By Jsal517
    I’ve been using pennies for years now and it is the perfect budget app. It’s simple and the interface is so clean. But for the last couple months it is been insanely slow. On a tap it take 1-3 seconds to register the press. I tried reinstalling the app, but that didn’t help either.
  • Waste of money

    By fairys1
    This is not user friendly The free one I was using is better I want a refund
  • Confused

    By dola_babe31
    App is super confusing without a tutorial. Based off the video looks to be what I am looking for but very confused on how to add payments.
  • One of my favorite finance-related apps!

    By Ange Tea
    I love this app so much. First, the aesthetics. It is beautiful to look at and very easy to navigate. The sounds effects are simple and satisfying to hear. Also, love the colors! Even more importantly though, this app helps me keep track of every single penny going in and going out. And what I *especially* love is how this app is so versatile! If something changes in my financial situation/needs later on, I can easily switch up my budgeting approach. The minimalistic functions allow for a flexible approach to budgeting and encourages “budget creativity” to use each of the app’s tools in their own way. For me this is what makes it fun—you can do whatever works best for you. The only thing is, as some users have mentioned, when you have a longer list of budgets (I have 28), the app lags quite a bit when toggling between budgets. It is somewhat frustrating at times when I am trying to balance my budgets quickly. But if you have fewer budgets or don’t mind exercising a little (sometimes a lot of) patience, then it isn’t *that* bad. I will continue using this app because of the flexibility it allows me for my budgeting needs. Plus, I have tried several apps in the past, and this Pennies one works best for me. Otherwise, the lagging truly would be a dealbreaker because it interrupts my budget planning flow.

    By ed.the.great
    I have used this app for years. It works fine. It does lock up my phone, it takes a good minute or two for it to release whatever resource it’s using. Wonderful app, I purchased it once, but it nags you for tips. Which I did give once and I figured maybe that would stop the locking up, but no it still locks up and I may just stop using this and look for another app. 2 stars because it’s useful but locks up the iPhone. Would be a strong 4 if this didn’t happen at all.
  • Add Siri support

    By Saad.s.c
    This is a great app but it would get so much better and easier if you add Siri and Shortcuts support and if it recommends how much you should be spending according to your income or pocket money or budget.
  • Wish Two Users Could Edit

    By lkramsey93
    I absolutely love this app. The only feature it’s missing is the ability for two users to edit budgets. Would be great if my fiancé and I could use the same budget to keep track of our joint finances. Would give 5 stars if this was a feature. Other than that this app is great!
  • Stop nagging about donations in app

    By Rebel h
    This is so frequent it's annoying to see it everytime I want to use the app.
  • Really Annoying Little Things!

    By jafkjdlsafdhsjaasdkfjdask;'as
    Seriously frustrated by not being able to do simple tasks such as altering the “remaining” portion of my budget because it’s greeted out. Other things like not being able to input accurately that I have spent my budget that I’m trying to input and yet it doesn’t allow me to put in 0.00 as a denomination?! So frustrating and simple to fix!
  • Needs improvement

    By MozaHH
    The idea of the app is great, I myself have been using it for a couple of years if not more. However, the app lags alot and it lags my whole phone with it. It gets frustrating when your trying to log. I hope this issue can be improved, since really there isn’t anything as simple and straightforward as it is. I would be more than happy to pay for the app if the lag issue can be improved.
  • AWESOME app for tracking spending categories

    By jack3211
    I have tried a lot of different apps for tracking spending. I like the ones that take in your entire income amount and balance out your whole budget, but I just needed to track spending in certain categories where I have a lot of variable spending on my credit cards. This is great for that!! In addition, if you do have an entire income that needs to be budgeted, this would be a great tracker. Cheers!
  • Not working

    By qwrcyn
    App worked for a couple months but now isn’t- says a wrong amount for daily budget vs monthly.
  • Great app but...

    By skbeez
    I wish I could sync my budgets with my wife’s iCloud account so it would be the same on both our phones. Great app otherwise.
  • Great app with one complication (pun intended)

    By jade*simian
    I recently heard about this app from a friend and decided to give it a go. I must say, I’m impressed; it’s quite a powerful little app even though it’s simple and straightforward. The only problem I have is with the complication on the Apple Watch Series 4 — It isn’t available on the new Infograph and Infograph Modular watch faces, which are my go-to faces. It simply doesn’t show up on the list of options when choosing complications. A minor annoyance, but one that would go a long way toward my complete enjoyment of this app.
  • Finally!

    By DisbeLulu
    This is the literal only app that I can find that docents cause me to break my budget to have to pay for it and offers custom timelines for you budget!! My husband and I get paid every two weeks but it’s not always on the same day and we are not salary workers so it’s not the same every month. It’s super helpful for me to budget from paycheck to paycheck so I know how much we have left over for fun things instead of unknowingly alloying a random amount of money to a trillion categories. I only gave 4 stars because there is no way for my husband to login to the same account so that we can both see the same budget. That would be the only thing that is a little inconvenient.
  • Eh

    By behdbdnakcgfxb
    Not as helpful as I expected it to be. Disappointed
  • Very Very Good

    By Basim Wali
    A very convenient app. Very helpful all around. Tried over 6 different apps. This is the best
  • Loading issue

    By Avmitchell
    It’s been updating all day I just purchased the app and haven’t been able to use it.
  • Great app

    By Jgwxgt
    This is a great app it really helps me stick to my budgets and know how much I have left each month to spend. The developer is great as well and gets back to you quickly if you have any sort of questions or requests
  • Glitches with latest update?

    By SearchingForYou
    I installed the most recent update and ever since I’ve been having issues with it crashing, freezing, taking forever to load, etc. Please fix whatever you did that caused this. Prior to the most recent update I didn’t have any issues. This app was great for easily tracking spending. Now it takes forever to add an item. I’d give the previous version 5 stars.
  • Decent

    By Lindseymathis
    I have used this app for years, and I loved it. I still find it useful, but it glitches and freezes up so much. I use an iphone x that glitches as well, so it might be the phone. It’s frustrating enough that if I found a new app that didn’t glitch (and was just as interactive), I’d swap.
  • Awesome and easy to use

    By MenchieLvr
    I’ve had this app for a while and absolutely love it. I have all types of budgets to keep me on track. It’s so easy to use. If you need to take control of your money I highly recommend Pennies.
  • Just what I was looking for

    By Billster 111 ya
    When it comes to a simple to use tool for budgeting, I found exactly what I was looking for with Pennies. I was looking through the different budgeting applications and could not find just what I was looking for until I came across pennies. It is awesome, thank you!
  • Series 4 infograph complication update

    By C.mcc973
    Great app—I’ve been using it for years. It’s the only financial app that’s quick enough and requires lightweight interaction. My only issue is that the complication hasn’t been updated to work on the Infograph watch faces on the series 4. Please update the complication, as the watch face I use constantly is infograph modular and not being able to use this complication is a big deal.
  • Love it.

    By Resigoo
    I love the simplicity of this app and I use the pennies message version as well. We’ve struggled for years to come up with an easy way to track debit purchases on a two week pay cycle. I just hope the next update includes sharing a budget just like with the message app. That would be fantastic.
  • Needs an update

    By dfall92
    I love this ap and was using it religiously when I first downloaded it. However, the past few months it has been almost impossible to do so. Most times when I open the ap it just freezes. If it doesn’t freeze upon opening, it does once I try to enter an expense. I know it’s not an issue with my phone because it’s the only ap I have that crashes like this so consistently. Please release an update and I will be happy to give the five stars that the actual concept deserves.
  • App freezing/locking up for a couple seconds

    By brianminor
    Apps UI has been freezing up more lately. Hopefully an update fixes it soon.
  • Needs update

    By tracymae88
    Does not work with iOS 12.1 update. App crashes and will not log expenses correctly. Pretty good app when it worked.
  • It’s getting there as budget tracker

    By D9
    This is a great solution for simple tracking of your budget and expenses. Easy to setup and use, the entry and viewing of purchases is very effective. Moving from one budget category to the next is quick, and the context of showing diminishing funds for each is excellent. There is also plenty of ways to set your categories to track (weekly, monthly, etc). Its biggest issue is the user experience such as having to repeat entry of custom notes (“takeout”) and lack of tagging (“family”, “work”). It’s also a bit buggy on Apple Watch..crashes a lot. Nonetheless, the simplicity and clean interface makes this a great app for the single task of tracking your expenses to a budget.
  • Disappointed

    By Renamski
    I just waisted $4. This is not at all what I expected based on the description. I wanted to do a family monthly budget. This app does not work for that. I suppose you could enter each expenditure individually, but then it is confusing when the default page shows how much you have left for that day. Most of my monthly expenditures are payed once a month, so knowing how much I have for my mortgage every day is not necessary, yet it is on the opening page. Confusing. This app is better if you just want to lump everything in your budget together. I was wanting to keep track of each category monthly, but show it as my family budget.
  • Not stable

    By 5ophieL
    I have been using the app for a few months and initially I really liked it. It’s a very simple budgeting app and is really just what I need. But recently the app has been very unstable. It crushes a lot especially when I tried to input some older spendings/changing the date (IOS 12.1 and iPhone X)
  • Good app for budgeting and tracking expenses

    By shrinik
    Slick and Easy to use app for tracking expenses against preset budgets. It helps me to track and control my expenses on food, grocery, etc. It is so slick design wise that I look forward to using it daily.
  • Best Budget App for Me

    By Jaesix
    This is all i want - a simple budgeting app im in control of. Its crazy this hasn’t been around longer - its perfect for me.
  • Does exactly what I need

    By Sandscribbler
    I use this app to keep track of my "fun money." I have it set up so that every week the app automatically increments my savings by a certain amount. If I buy something with my "fun money," I subtract that amount from my virtual account (I don't have it connected to any real bank account). The app is easy to use, and perfect for my needs.
  • Nice app but..

    By ShaMayn
    Unfortunately it crashes on exporting data.
  • Great app

    By James pk
    After downloading finance apps that I payed for which were hard to figure out. I came across this app for free. So I went with it. This app is logical and simple to use. It was just want I am looking for. You can put different accounts in, set an amount for each account monthly or weekly. Add and subtract your spending. Also in the setting they give you the choice of paying for the app by giving the developers a tip. I was so struck by this I give $2.99. I wish all app would give you a choice to tip or not. I think they would make more money on there apps. Great job developers. I will use this app for years.
  • Sure it works

    By Alecrm
    Really confusing. Wasn’t what I thought it was. Didn’t help me one bit. Feel like I wasted $4 which also isn’t helping. Sure it works for other people but not for me