Pick your bank and card apps once. Penny reads their purchase alerts in 5 languages and about 40 currencies, tidies the shop's name, picks the right card's account and waits for your tap. Codes, balances and adverts are never kept.
NEWPenny on Android: bank alerts and receipts, added for you
Say what you spent. Penny keeps the books.
A private budget app for Windows and Android. It understands plain sentences, turns bank alerts and receipt photos into transactions, and keeps every number on your own device.
- Encrypted on your device
- Works offline
- 5 languages
- No account, no ads
penny
Spent
Safe to spend today
Printed on this device. Nothing leaves it.
Your bank writes for machines. Penny rewrites it for you.
Download a statement from your bank's website and drop it into Penny. It recognizes the bank, tidies every payee, files it in the right category, and records card payments as transfers instead of spending.
STATEMENT · CHECKING ••7731
In Penny
Recognized automatically: Chase, Bank of America, Wells Fargo, Capital One, Citi, American Express, Discover, Apple Card, U.S. Bank and Ally, plus Mint, YNAB and Monarch exports. Any other CSV, OFX or QFX file works too.
On your phone, Penny does the typing.
Your bank already tells you about every purchase, and the shop hands you a receipt. Penny turns both into transactions you confirm with one tap, read right on your phone.
Penny finds the total (never the subtotal, tax or change), the shop and the date, then attaches the photo. It reads English, Spanish, Chinese and Hindi receipts, and amounts in any currency.
Swipe a purchase to delete it or repeat it, swipe a bill to mark it paid, pull down to add. Keep today's safe-to-spend on your home screen with a one-tap add button.
Notifications and receipt photos are read on your phone. Nothing is uploaded, and nothing is added until you say so.
Nobody sees your money. Not even us.
Penny never asks for your bank password and has no servers to send your data to. Privacy mode hides every number at once. Try it on this page.
No bank login
Penny reads the files you download and the alerts your bank already sends you. It never connects to your bank.
Encrypted on your device
AES-256, sealed by Windows or by your phone's secure hardware. Add a passcode and a recovery key for a second lock.
Backed up for you
Verified backups every day and before big changes, so a bad import is one click to undo.
A health score that's honest with you.
Every benchmark is checked against the latest household-finance research. In the app, Penny saves your score each month so you can watch it climb. Move the sliders: this is the same model, running in your browser. Nothing you set here leaves the page.
–out of 100
Your next step
Penny Research model, edition 2026.10. 80 and above is healthy, 40 to 79 is coping, below 40 is vulnerable. Guidance, not financial advice.
One look at today. The rest when you want it.
And the rest of it.
The everyday tools, on your PC and your phone.
The next 60 days, forecast
Your balance ahead of time, with the low point marked before it happens.
Budgets that warn early
The line is today. Each bar is how far through its budget a category is, so you see the pace before you overspend.
Ask Penny
Plain questions, answered on your device in a moment.
Bills on one calendar
Rent, subscriptions and paydays, with a heads-up the day before a subscription renews.
Goals and debt plans
What to set aside each month, and your debt-free month with avalanche or snowball.
Insights that rank
Findings ordered by the money at stake: overspending before it happens, fees, price rises and habits.
Reminders that respect you
An evening nudge only on days with nothing added, a monthly recap, and every one has its own switch.
Four looks
Light, dark, pure white and true black, which is easy on the eyes and on phone batteries.
Your data, your way
Excel export, statement import, rules that learn your payees, and daily verified backups.
Five languages. One way of reading.
Penny speaks English, Español, 简体中文, हिन्दी and العربية. Every row below is read live by the same code that prints your receipt.
| Language | You type | Amount | Payee | Category | When |
|---|
Questions, answered.
The things people ask before they install a money app. Short answers, no fine print.
Does Penny connect to my bank?
No. Penny never asks for a bank password and never logs in anywhere. On Android it can read the purchase alerts your bank app already shows you; on any device you can import a statement (CSV, OFX or QFX). Major US banks are recognized automatically.
Where is my data, and who can see it?
Only on your device, encrypted with AES-256 and sealed by Windows or your phone's secure hardware. There is no account and no cloud, and Penny has no servers. Add a passcode for a second lock, with a recovery key in case you forget it.
Is it really free?
Yes, everything is free during the beta. A Pro plan will add extras later, with a free week to try it; everyday budgeting stays free, and data you already have is never removed or locked away.
How is the health score worked out?
Four pillars (Spend, Save, Borrow, Plan) scored 0 to 100 with the Penny Research model, built from the latest household-finance research and tested on realistic households.
What if I already use Mint, YNAB or Monarch?
Export from your old app and import the file. Penny recognizes those exports with all their accounts, keeps transfers as transfers and skips duplicates.
Which devices does Penny run on?
Windows 10 and 11 today, and Android is coming to Google Play. iPhone and Mac may follow; join the Discord to hear first.
Is it safe to let Penny read notifications?
It's off until you turn it on and pick your bank apps. Penny checks those notifications on your phone for a purchase, keeps only the ones from apps you picked (encrypted), and never sends them anywhere. Codes and balances are never kept.
Start with the next thing you buy.
Penny is free during the beta, for Windows 10 and 11, with Android coming soon.
Version 1.0.9