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: 1 751


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 –



  • 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!
  • 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 easily 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. I pretty much set up every single budget as a one-off that never ends so that I can have full control over what goes into each designated budget every two weeks (when I get paid). I did this mainly due to my my income not always being the same and some budgeting needs sometimes changing as a result. This approach also allows me to keep track of what I have in all my checking and savings accounts, and I can choose to add more to each savings account if I end up having extra moolah, or expanding my checking account “buffer.” I also set up my credit cards as one-off budgets to keep track of how much needs to be paid to each card every month (helps me better keep track of managing all those cash-back rewards). Altogether this approach to using the Pennies app is what works best for me at this time. But 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 approach and still use the same app. This is probably going to be a weird metaphor, but it’s basically like having the perfect medium and set of tools for creating your own work of art. Yes, to me budgeting is like creating art. For me it is so much fun, and you can do whatever works best for you. This app enables you to do just that.
  • 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
  • Changed the game for me!

    By Kondrathesnail
    This app has been so so helpful in keeping track of how much money I have left in each of my budgets. My bills come out at different times of the month so I know I can always look on Pennies for an accurate number of how much extra spending money I have! Love it!
  • Email for Developers

    By 月色下的比利王
    I hope this app have a new feature that we can add some automatic spending, because we often have some automatic subscriptions such as Apple Music and Mobile Carriers. So, at the start of a period my budget will automatically minus some fees from my automatic payment which will make the app more convenient and clear. Thanks a lot!
  • Lagging pay button

    By Star9981
    Iphone 6 with most updated version of this app. When I hit spend the app freezes and takes several seconds to submit my entry. Sometimes It never unfreezes and I have to restart the app. For everyone complaining that this app doesn’t let you link to your bank account.. read the description! There is no feature to connect to your bank and there never was. In my opinion, having to manually enter what you spend works better for 2 reasons: 1) You have to look at what you’re spending instead of just mindlessly swiping your card til it gets declined. 2)You can include cash, gift cards, etc. in your expenditures. Tracking how much leaves your bank account doesn’t give a full picture of your money going out unless you only spend with your debit/credit card & checks. And for the complaints that this app doesn’t have (x) features.. it’s made to be very simple. I highly recommend creating an excel/numbers sheet if you want to keep track of what you spend in more detail :)
  • This app is for children

    By Zombieplanter09748857437
    This is not a “budgeting app” in a classic sense. This is something your kids can use to see if they can afford to eat out and buy jeans. There’s no serious application for any adult. When I input what I make weekly and my bills, it wants to know how much money I’ll have left after every budget? You do the homework and the app divides the money by how many days are left in the month to tell you how many dollars you can spend a day. This is a childish attempt at a real financial app. Total waste of $3.99. I put in my expenses and payroll for this month and it still says I have all of that money to spend.😂 Nice try guys, the app looks good, but it’s for high schoolers or children, not adults.
  • Could use a lot of work

    By SethGrim
    This application is so simple that I don’t understand the need for it. It would be useful if it was able to sync with your bank accounts and track your spending for you. There are a number of much more advanced free applications such as mint that I get a lot more out of. If you are really looking to save money and change your finances, download mint and acorns. If you have a hard time using a calculator or spreadsheet I guess you could use pennies app.
  • Can’t even use the app!

    By michelleessu
    I was very excited to use the app after seeing all the rave reviews. However, after paid for it and downloaded on my phone, I can’t even use it. It has been a week since I purchased it and every time I tried to open it, it is always updating! I don’t know why that is happening but I really want to use the app:(
  • The easiest budgeting app

    By Gryphonnaise
    I’ve tried Mint and other apps that connect to a bank account, but none of them are really good at discerning types of purchases right away so that they go under the right category. ex: buying gas (fuel fund) vs getting a snack at the gas station (grocery fund) would still go under transportation expenses in an app like that. I like its simplistic, easy to use interface and its great for keeping track of both cash and money in an account. If you spend under your budget every week, you can’t lose :)
  • Feature Request

    By Skyblazing
    Can I have a Payroll budget that resets when I want it to? Because my monthly allowance can come way too early (2 months’ worth being given at once) or way too late (3 months’ worth of delays). Or am I stuck with One-Offing everything?
  • Good app but horrible for Apple Watch

    By Thunderclap220
    The main reason I purchased this app was to be able to view and manage budgets from my wrist on the Apple Watch. However, whenever I open the app on my watch it says to open pennies in iPhone to sync your budgets. After doing this the app does nothing no matter what I do I have even reinstalled the app. I am embarrassed that I paid for this app total waste of time
  • Still waiting for shared budgets

    By davidagantt
    Once it’s updated to allow me and my wife to add expenses to the same budget I’ll change my rating.
  • I want a refund for this app

    By Jade Chen90
    It’s not as flexible as I thought 1. It doesn’t connect with my bank 2. It doesn’t allow me do a total budget for income and spending 3. It doesn’t have percentage feature that allows me to divide my income into smaller portions
  • Need sharing between iCloud accounts

    By Mtb climber
    I like the app a lot but for 5 stars in my mind needs to be enhanced to work for families and not just individuals.
  • Love this app

    By FoKyS
    I have really love this app is very tight and works exactly as described. It is much more valuable than the cost of the app.
  • Mr. James E. Brown

    By Braveheart92
    I brought this application today and it is awesome I’m glad I found this app
  • No experience

    By Llizabet1
    I was very excited to use this app to track my spending and budgets. I use iPad Pro and iPhone X, the app has never worked for me. It always displays the updating screen and never progresses. I have tried uninstalling and reinstalling along with iOS updates, leaving me with the same result.
  • Very very nice!

    By Chorzoman
    So my last budget app started acting weird after the ios9 upgrade - I had to look for something else. I love this app, simple and does everything I need.