Know where every dollar goes.
A calm, honest view of your money: income, spending, upcoming bills and a savings goal that moves forward every month.
Free to try. No card required.
How it works
- 1Enter your monthly income and fixed bills.
- 2Decide how much goes to each envelope.
- 3Add each expense in a couple of taps.
- 4Send what is left to a savings goal.
About Pennywise
Money is easier to manage when you can see it. The app gives every category a bar, every bill a date and every goal a finish line, so the state of the month is obvious at a glance. Shared budgets let two people plan together without mixing personal spending, and multi-currency support keeps totals correct for accounts abroad. Your data is stored encrypted and can be exported as a spreadsheet at any time.
Frequently asked questions
Which currencies are supported?
All major currencies, with daily exchange rates for accounts held in more than one. Totals are shown in the currency you choose.
Do I have to connect a bank account?
No. Pennywise works fully with manual entries. Bank import is optional and read-only, and you can disconnect it whenever you like.
Can I share a budget with someone?
Yes. Invite a partner or roommate to a shared budget while keeping your personal categories to yourself.
What you get
Savings goals
Round up spare change or set a fixed amount. Either way the goal moves every month without you thinking about it.
Fast expense entry
Scan a receipt or type a quick note. The entry lands in the right category with the right date.
Budgets per category
Set a monthly limit for groceries, eating out, transport and anything else. A bar shows what is left at a glance.
Never miss a bill
Rent, subscriptions and loan payments appear on a calendar with reminders a few days before they are due.