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 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 improvement  MozaHH  4 star

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  jack3211  5 star

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  qwrcyn  1 star

App worked for a couple months but now isn’t- says a wrong amount for daily budget vs monthly.


Great app but...  skbeez  3 star

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)  jade*simian  4 star

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!  DisbeLulu  4 star

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  behdbdnakcgfxb  1 star

Not as helpful as I expected it to be. Disappointed

Basim Wali

Very Very Good  Basim Wali  5 star

A very convenient app. Very helpful all around. Tried over 6 different apps. This is the best


Loading issue  Avmitchell  1 star

It’s been updating all day I just purchased the app and haven’t been able to use it.


Great app  Jgwxgt  5 star

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


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!


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.


Love the app but...  mattvz94  4 star

I love this app and all of its functionality. What would make it 5 stars is if there were more options for when budgets reset, like “the first Monday of each month” or “the third Thursday of each month”


Best budgeting app available.  doodlebugzzzzzz  5 star

This is in my opinion. The most simple, budget focused app on the market today! I love pennies!


The single app that keeps me on iOS  MBirkey  5 star

Edit: I have been using this app daily for years after purchasing it for a few dollars. It helps me keep track of expenses while keeping me on budget. I happily pledged a $5 tip using the new tip jar feature. This great quality app deserves to keep going with users support! Pennies gets better with each update. I have been using this version in beta for a while now and it is even more useful! You can now group your expenses and income by note. This allows you to see how much has been spent on each note type based on the timeframe of your set budgets. The today widget is much more useful and the app syncs and runs like a well oiled machine. I use Pennies daily and it helps me keep track of my expenses, let's me know if I should stop spending, and now helps me understand easier what I spend my money on month to month. This app is quality and worth a purchase. The developer is super personable and makes every attempt to listen to his users. Keep up the awesome work!


simple and it does the job well  ViragoBridget  5 star

I really like this app. Nice simple concept. All the things you need and none of the things you don't.



This is the best tool for keeping up with your spending! Once your budget is established just log in your spending as it happens (and that is easy to do!) and it does it from there. Can’t go wrong with using this app!


Life-changing  maxblack113  5 star

This app is simply the best. I used to use a full fledged budgeting app that was very complex, but after a few months I found that I simply didn't need all the bells and whistles. I throw the money I don't wanna touch in a savings account and use this app to manage my spendable money. The Apple Watch app is also a nice bonus. Awesome app. Great functionality. I simply can't live without it. Recommendation: Adding a “note” takes too may taps. You should explore ways to make adding notes quicker. For instance, when I click on a suggested note, have the menu close itself instead of having me hit the check mark. Or, since there’s so much unused screen space, maybe have theist always open as a scrolling list that shows 5 at a time, rather than having me click the add note button to make a big list shoot up from the bottom.


Great...when it works...  luis1siul  2 star

Love the app, but I’ve noticed I rather input expense via my watch, since doing so through my phone will freeze my phone, every time.


Can’t share budgets with others  Woogie37  1 star

Can’t share budgets with spouse or anyone else you share apps with. Customer service unresponsive.


LOVE!  bkmmkb9448  5 star

Wow. This app is exactly what I was looking for. Something to simply state how much so budgeted for extra expenses, how much I've spent, and what I've got left. You'd think all the other finance and budgeting apps would have this simple process but they don't! This app is worth the $4 I spent to be able to accurately track my expenses. I'm so excited to start a new journey towards better financial health and I have Pennies to partly thank!! The only improvements I would like are to be able to Edit the Note (Type In a Custom Note) AFTER you've already put the spending in for your budget. And I would also like to color-code budgets, since as of right now, they all have the blueish-green color. Anyway.. can't wait to see where this app goes and the wonderful additions it incorporates! Wonderful app! Buy it! You won't regret it!


Great, but...  maawolfe36  5 star

I had some trouble getting this app to sync with my watch when I first got it. Turns out I just had to turn my phone off and back on. I kinda feel stupid now. 5 star app now that's figured out.


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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