Pennies – Budget and Expenses

Pennies – Budget and Expenses download

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!"


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.

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.

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.

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.

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.

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.

Use any currency in the world for individual budgets.

Easily transfer money between budgets with a single click.

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.

Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+

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.

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 – [email protected]

Pennies – Budget and Expenses App Description & Overview

The applications Pennies – Budget and Expenses was published in the category Finance on 2014-10-09 and was developed by Super Useful Ltd. The file size is 90.52 MB. The current version is 5.7 and works well on 10.0 and high ios versions.

The number one budgeting app has just got even better:

• New languages added
Italian, Portuguese, Russian, Mandarin and Arabic added to Pennies!

• Added Yearly Budgets
You can now create yearly budgets to track long term spending

• General bug fixes and improvements

If Pennies is making your life easier and helping you save money, please consider supporting the app by opening the Setting page and leaving a tip in the Tip Jar.

It would also be great if you could leave a positive review in the App Store, or update an existing one. I’d really appreciate it. As an indie developer it makes a big difference. Thanks!

Pennies – Budget and Expenses App Tips, Tricks and Rules

Pennies – Budget and Expenses Reviews


OK, but locks phone up constantly  user55851765  4 star

Works great until you have to delete a line, at which point it freezes my phone every time I put an entry in. Deleting the app and installing again fixes this until I delete an item :(.


Good but used to be better  SmallishMan  3 star

I’ve been using Pennies for years and LOVE it. However, it’s gotten glitchy lately and it’s annoying. I still use it bc the system still works and I’m used to it.

Kate Koposova

LOVE IT  Kate Koposova  5 star

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  s.a64  5 star

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  Rcvf4004  5 star

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.  JimCarm  4 star

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  Rmyno1981  1 star

Too confusing to use🤔 3.99 wasted


Beautiful, simple, awesome  Icpark  5 star

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  CjocoDoll  1 star

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  PacificRy  5 star

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.


Pretty useless?  nathan779  2 star

The app interface is nice, however, I wouldn’t mind my money back as there is little point to this app - no assets and liabilities or reports or any kind of expense analysis, just a manual entry number counter? Unless I am fundamentally seeing the app wrong, there is no way to build and Analyse a budget or cash flow or anything of the sort?


Simplicity is the Ultimate Sophistication.  [spookyfish]  5 star

Well written app by a great indie developer, Pennies hits all the key requirements without any of the unnecessary fluff. Support for budget rollover means you can use traditional envelope method and keeps your overall budget on track! awesome! Wish it connected to my bank, but besides that this app is a gem 💎.


The best budgeting app!  Luddite1800  5 star

Thank you! Thank you! Thank you! I've been searching high and low for a high quality budgeting app that works as a digital version of the age old envelope system. So many apps over complicate the process by connecting to bank accounts and automatically categorising your spending, etc. Thank you for creating something that is simple and useable. AND it works on the Apple Watch! I’ve already recommended the apps to friends and family!


Great app, minor bug  thatnatobloke  4 star

This is a great app, I use it daily and find it is very useful. Minor bug that is quite annoying- if you have the app open and then press your home button, and then return to the app, the app freezes and you will need to restart it.


Lacks basic features, not worth any $  NewbieReviewGuy  1 star

Lacking lots of basic features. No options to categorise your spending, no charts or reports of any kind. Not worth it even if it was free.


Fantastic!  Gray81  5 star

Tried about 8 budget apps, settled on Pennies, been using several weeks now. Absolutely wonderful! I wanted it to replace my “envelope” system. Now, I just transfer a fixed amount into my savings account linked to my Apple Watch, and Pennies lets me easily keep track of how much I have left on the Watch for lunch at work, holiday savings, school Expenses, fuel, etc. The rollover feature is great. When on, it means that account will build up over time if you don’t spend it all. Perfect! The app has an Apple Watch function which I actually find slow and fiddly, so I use my phone to punch in every purchase. HOWEVER the Watch complication is cool in the middle of Modular face - how much left in my primary account for today, and the period. It also has a widget for your swipe-right lock screen on your phone. The app icon also supports force touch for quick functions. You can choose from 4 sets of sound effects, and the background will be green-blue-red depending if you’re spending too fast or whatever. So polished. I can’t think of any way to improve this app. It’s slick, snappy, and absolutely perfect for what I want to do. Thank you! Note - this doesn’t link with your banks. You set it up at the start with when you get paid, how often, how much ... it’s all very easy, especially compared with the other budget apps on the App Store.


Can be better  Mikkkk99  3 star

Can be better if it incorporated graphs to show how much spent on certain things over time or if it incorporated bills


Great App & A Couple of Suggestions  shillier90  4 star

I really like this app and prefer it over some of the others in the App Store as I don’t love the idea of linking my bank account and granting access to a random organisation. The layout is clean and simple to use and very customisable. 2 [small] things I would suggest. I was so confused about the use of the term ‘bi-weekly’ and wasn’t sure if this meant fortnightly or twice weekly. The other thing is it would be nice to be able to change the payroll date for existing budgets, for example when changing jobs. Only some very minor tweaks and bug fixes over time are the things I’m looking forward to and it’s well on its way to becoming a 5 star app!


Fantastic  NamesOliver  5 star

Love this app Had some issues (possibly corrupt data) and received fantastic personal customer service. Issue resolved!

Budgeting is fun

Easy to Use and saves me time  Budgeting is fun  5 star

I have been using it for almost a year now. It is super easy to use and since starting with it my budget spreadsheet (I budget and track spending in Excel) is always accurate. Once a month or so I add my lump sum spending into my spreadsheet, knowing that I have entered almost all my expenses each day as I live my day- no time spent sorting through receipts in my purse!


Sure it works  Alecrm  2 star

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!  Kondrathesnail  5 star

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  月色下的比利王  5 star

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  Star9981  3 star

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  Zombieplanter09748857437  1 star

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  SethGrim  1 star

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!  michelleessu  1 star

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  Gryphonnaise  5 star

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  Skyblazing  4 star

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  Thunderclap220  2 star

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


Great simple to use app  Braziler  5 star

This app is really handy for those of us out there who need to keep track of what's left in your bank account. Very handy and easy to use too. Would definitely recommend this app.


Handy  squillop  5 star

I use this to make sure I don't overspend at the grocery store. Very handy and quick. Love it.

sean bolt

Great UI but needs some more features  sean bolt  4 star

I am in love with the UI and controls, the app is colourful and friendly. That said I think it is missing a few major features such as setting pay day to the last Friday of every month etc.


Love it  Vincegoteejrjdhddj  5 star

Just started to use and already loving it !


Great app  WilliamQuill  5 star

Certainly one of the most useful apps I have, a daily check on spending with a very simple interface.

Robert Mc

A good idea well executed  Robert Mc  4 star

Some aspects of the ux are a bit opaque but overall a good idea well executed.


very nice  lukitam  5 star

very nice app


Overpriced and underdeveloped  Cphonic  2 star

This app doesn't know what day of the week it is - a significant problem when budgeting. There's no option to correct its faulty calendar other than deleting your budget and factoring in the app's mistake into your next budget.


As useful as an ice cream in the North Pole.  APubWithNoBeer  1 star

Cool interface. Easy to add entries. No way to set up recurrent expenses. No way to categorise expenses... Still needs a lot of work done on it


Better, prettier & easier to use than all the rest  io41  5 star

I've tried about 30 different "envelope" budgeting apps over the last week and none of them offered an intuitive easy to use budget tracker that stays out of ones way and doesn't require 10 fields to be filled out for each transaction. Pennies is different. It's beautiful, sleek and so simple. No complex accounting system or ledger, yet it'll let you get on top of your finances. P.S. Friendly support within a day of making a query :)

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