Pennies – Budget and Expenses

Pennies – Budget and Expenses application logo

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 82.07 MB. The current version is 5.5 and works well on 10.0 and high ios versions.

• Support for iPhone X display
• Multiple fixes & optimisations

Pennies is now quicker and more reliable than ever. Boom!

If you are enjoying the new version of Pennies it would be great if you could leave a positive review in the App Store, or update an existing one. As an indie developer it makes a big difference. Thanks!

Pennies – Budget and Expenses App Tips, Tricks and Rules

Pennies – Budget and Expenses Reviews

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.


Easiest Way to Budget  Clurichaun  5 star

... because of the unfortunate reality of life, we have spend money everyday for something. This app is super simple, customizable to your needs whether you need to tally your spending or subtract deductions like I guess people used to use that thing in check books for (obviously I never used it). As one is swiping away buying, paying etc, it's like out sight of mind but with your budget right in your face, dwindling away or adding up, it's a good reminder that most of us do not have unlimited funds and need to prioritize on what is most important regarding spending and keeping debt at a minimum. I totally appreciate the simplicity and that I can add as many budgets and accountability checks as I want. You can add a note regarding where money goes and set notifications to remind one to use the app. Eventually it just becomes becomes second nature. Much better than having to pay crazy money to another service app, plus having to create accounts to budget oneself. I have the iPhone 8 and iPad Pros and this app works great syncing across the cloud without any problems. When I was using the Beta version of IOS 11, this app stopped working and I was lost without it. There is no easier substitute; it is brilliant :)


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.

Jianfa Tsai

I will use Pennies budgeting app for my lifetime  Jianfa Tsai  5 star

Excellent. Five star. Perfect. No regrets. Money well spent. Get it now! ;)


Not bad but...  PSB136  2 star

...I emailed you in Aug 2016 asking that the app's badge show the balance remaining of the current budget, without the cents, so we don't need to open the app or Today widget to see it. You said it was a good idea, so... any news?

Sam Rae

Great app  Sam Rae  5 star

This is a great little budgeting app. Nothing complicated; just basic envelope budgetting for a few categories. We've switched to this for our day-to-day budgeting because the big options of YNAB and the like were just too involved, so we didn't use them. If you don't need to track everything, but just need to limit spending in the categories that matter, this is a great way to do it.

darthsimpsons 2

Nice app  darthsimpsons 2  5 star

does what it says


Best App Ever ❤️  Kuttlass  5 star

So Minimal, So Cute, So Useful ❤️


It does a thing:  Harpseal13  5 star

And does it well! Simple financial tracking.


Extremely functional!  Kellynicole052  5 star

I love my pennies app- it's easy to use and very functional. Thankful for the option to sync with iCloud, since I had to reset my phone recently and was worried I lost all my information. Would be perfect if I could select the colors/when they change.


My life is no longer in shambles!!!  🚶👨  5 star

I can track and categorize my constant outpouring of money on worthless material possessions. Now I know for a fact I spend too much on grease-burgers thanks to you, Pennies! May karma greet you with a kiss every morning!


Take a hands on approach  Rt88  5 star

The best way to keep track of expenses in a customizable way. If you have multiple accounts and Venmo inflow/outflow, you'll know that automated budgeting apps don't really work. This is a great solution and makes you hyper aware of everything you spend money on. I download to a CSV each month and pivot everything out in excel. Five stars.

Sade A.

Great budget app  Sade A.  5 star

I love this app because it helps me be more aware of where my money is going. I use mint too but find pennies to be super helpful because I have to write down what I spent, so I'm more mindful about my spending now. It's also simpler and easier to use than mint's budgeting feature - pennies is perfect for just tracking daily spending and understanding where you could trim back if you're trying to save more.


Simple and easy  Anniehasagun  5 star

Love it!

Ted Roark

Perfectly Minimal  Ted Roark  5 star

Pennies is the exact app I wanted for setting fiscal goals and keeping to them.


Great Basic Budgeting App  Mom2ADE  5 star

I think this is a great simple app to budget yourself on little things. For example, I'm giving myself a coffee budget each month for what I spend at Starbucks. It's been perfect for that.


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 :)


Amazing!  Anonymous….  5 star

Damn, is this app amazing! I've probably spent over 200 bucks on apps that have a watchOS app to fulfill my need for a simple budget for my credit card. Pennies nails it! It strikes the perfect balance between usability and features. The watchOS app is especially excellent. And it's one of the few Watch apps that almost has every complication type. Worth every penny 😄


Very cool.  Hidgeyak  5 star

Simple. Useful. Short learning curve


Great app  thisiscraig  5 star

Clean interface, does a stellar job. One of the best and easiest to use budgeting apps out there.

Edward Haapala

Excellent!  Edward Haapala  5 star

I used to have no money by the last week of every month but pennies has helped me to have money left over every month and is building up a little bit of savings


Very good!  DirkieBul  4 star

Very very good! The only problem is that this app reminds me how little money I have!

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