PennyFi

Take control of your money with PennyFi — a powerful, privacy-first finance app that works across iPhone, iPad, and Mac. Pay once, own it forever. No subscriptions, no hidden fees. One purchase. Every device. Always in sync. Buy PennyFi once and use it everywhere. Your data syncs seamlessly across all your Apple devices through iCloud, so your finances are always up to date whether you're on your phone, tablet, or desktop. BUDGETING THAT WORKS • Set monthly budgets by category and track spending in real time • Rollover unused budget to the next month • Visual progress bars show exactly where you stand • Calendar view for a month-at-a-glance overview ALL YOUR ACCOUNTS IN ONE PLACE • Checking, savings, credit cards, mortgages, auto loans, student loans, and more • Transfer money between accounts with both sides recorded automatically • Import bank statements via PDF or CSV — rules auto-categorize recurring transactions • Payee management with smart duplicate detection and alias matching INVESTMENT TRACKING • Track stocks, crypto, and manual assets with real-time price updates • See portfolio allocation, performance charts, and gain/loss per holding • Compare your portfolio against the S&P 500 benchmark • Aggregate holdings across multiple accounts DEBT PAYOFF TOOLS • Built-in payoff calculator shows how payments affect your timeline • Refinance simulator with break-even analysis • Amortization schedules for every loan • Track credit utilization and interest rates FINANCIAL HEALTH INSIGHTS • Net worth tracking across all account types • Financial Health Score based on savings rate, debt ratio, emergency fund, credit utilization, and payment consistency • Income vs. expenses analysis, spending trends, and cash flow charts • Sankey diagram to visualize where your money flows PRIVACY BY DESIGN • All data stored locally and in your personal iCloud — never on third-party servers • Face ID / Touch ID app lock • Encrypted backup and restore • No tracking, no ads, no data collection HOME SCREEN WIDGETS • Net worth, spending by category, top payees, upcoming recurring, and quick-add widgets • Customizable home dashboard — show only what matters to you LOCALIZED IN 29 LANGUAGES Arabic, Bulgarian, Croatian, Czech, Danish, Dutch, English, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Italian, Japanese, Korean, Lithuanian, Norwegian, Polish, Portuguese (BR & PT), Romanian, Russian, Slovak, Slovenian, Spanish, Swedish, Turkish, and Ukrainian. PennyFi is built for people who want a complete picture of their finances without renting their budgeting app month after month. Buy it once, use it forever.

PennyFi 2.0 - our biggest update ever - Share a budget, split a bill, and finally see where your money goes - all while it stays yours. No subscriptions, no bank logins, nothing leaving your devices. - Shared Household budgets
 Run money together. Create a shared space with your partner - joint accounts, transactions, and budgets that sync privately over iCloud. No third‑party service, no extra fee. - Split transactions
 One purchase, many categories. Split a big shop into Groceries, Household, and Clothing so every amount lands where it belongs. - Tags 
Label any transaction "Vacation," "Business," anything you like - then total them instantly in Search, across every account and category. - Shared expenses
Track who paid and who owes on group costs, and record settlements. No accounts needed. - Ask PennyFi
 Ask about your money in plain language and get answers computed entirely on‑device - private and offline. - A smarter Reflect tab
, No‑Spend Streak, Age of Money, and a Weekly Recap
, Mindful Spending - tag purchases Worth it / Okay / Regret
, Year in Review, summed up and shareable
- - Rearrange and hide cards to make the tab your own - Export anytime
 One tap to a clean CSV or a polished PDF summary. Your data, your file. - And more 
Per‑category budget alerts, savings‑goal target dates, and a faster, more polished app across the board. Pay once. Own it forever.

Developer

VALENTINA MARIANA FARCASANU

Main Category

Finance

Version

2.0

Version Release

2026-06-29

Initial Release

2026-04-30

Size

37 MB

Age Rating

4+

Price

USD 4.99

Languages

AR, BG, HR, CS, DA, NL and 23 more

Bundle ID

PennyFi.budget

Version Rating

★ 0.00 (0)

First Seen

2026-07-05

Metadata updated 2026-07-05

Free · Max 90 days · Top 5 categories shown (Y-axis: rank, lower is better)

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