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:
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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 Emile Bennett. 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


Needs update  tracymae88  2 star

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  D9  4 star

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  Renamski  2 star

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  5ophieL  2 star

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  shrinik  5 star

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  Jaesix  5 star

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  Sandscribbler  5 star

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..  ShaMayn  4 star

Unfortunately it crashes on exporting data.

James pk

Great app  James pk  5 star

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  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


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!


Not Very Useful  jeffersonpop  2 star

I don't get how this works for tracking expenses. I can really only see how it might be a little bit helpful when budgeting for something like a holiday. And you can't seem to add future expenses, the calendar wheel constantly takes you back to the current day. Sorry - I wouldn't have bothered rating but I paid for the app so it's a let down.

pietro italiano

Best way I've found yet to manage my money  pietro italiano  5 star

As the title says, so far this is the best app I've found to manage my money. Both spending and saving, I've started to see light at the end of the tunnel and I know it's not a train! The watch app makes it so easy to remember to update your spending (gets a bit annoying when the watch and phone are out of synch, but I'm still using a first gen watch) Get this app.


Great idea but...  l.Ellison  1 star’s executed terribly. The app crashes at 50% of the time. If it doesn’t crash completely it freezes up for minutes before doing what you wanted.

Forked Lightning

Not worth  Forked Lightning  1 star

There are too many steps in the expenditure record.


Awesome app  kconrad88  5 star

Really great user interface and fun to use. I've used it when on a travel budget and it was very helpful to know when I was reaching my cap for the day. 5 stars!


越来越卡  有点6啊  1 star

the app become more and more slow


Simple and effective  Alice0102  5 star

I wish I’d known about this app a long time ago. Simple to use, easy to understand and effective. Has been incredible helpful! Thank you!


Almost a 5 star app...  Meggie0809  4 star

All I need is the option to be able to put in future expenses (ideally recurring) but I’ll take future I put in monthly. Give me that option and I’ll upgrade to 5 stars. I must say, everything else is amazing. I emailed customer service and got a response within a day. The app is simple, and wonderful to use. I love it.

budget warrior

Fantastic app.  budget warrior  5 star

Just what I needed to track all my incidental spending. I know what bills I have to pay every month but this app helps me monitor everything else. And it’s extremely easy to use.

Lit fiend

This is a very useful tool  Lit fiend  5 star

Initially I was trying to use pennies to track everything we/I spend. Sheesh. We’re a family of 6 and it was just loony. Stupid too- I know already what our mortgage is each month- why track that? Realized that’s really not the app’s purpose (which I believe the dev. says in the faqs). It excels at providing a place and a means to manage and track the variable expenses, the ones I can control. So if I reduce expenditure in one area I can choose to save it, stockpile it for another month, use it in a different area, etc. What’s great is that as I enter my expenses (in the areas I track) I am forced to think about how that fits with my master plan. Which I honestly need- in the moment I can convince myself to purchase something, eg, that frankly blows my budget and really isn’t needed. Great accountability. So now- I track the variables I can control and manipulate monthly and it is terrific. Easy. Fast to enter. Intuitive. Adaptable to me. Really like it. Brilliant.


Almost there!!!  bxeoebxn  4 star

Wish there was an option to get rid of daily amounts on the Apple Watch face. I am using this for a weekly budget so it annoys me that sometimes it says I’m negative for the day when I’m still on track.


Can't share with family members...  Mlabus  1 star

Don't waste your money with this app if you want to share expense and budget data with anyone other than yourself.


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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