Penny: AI Money Manager App

Penny is a personal finance application available for iPad, iPhone, Mac, and Apple Vision. It helps people understand their spending habits without needing to use complicated spreadsheets. The app offers a straightforward and private way to manage your money.

Benefits

Penny allows you to keep track of your money across different accounts. You can sort your daily expenses into categories and set monthly spending limits for each one. A standout feature is 'Ask Money,' which uses AI built into your device. This lets you ask questions about your spending in plain language, like "How much did I spend on food last month?" or "Who are my most frequent shops?" Penny provides clear answers based on your data, showing you patterns in your spending on weekdays versus weekends and highlighting your top merchants.

Use Cases

This app is useful for anyone who wants a simple way to monitor their personal finances. It's ideal for individuals who prefer not to deal with spreadsheets but still want to understand where their money is going. The ability to categorize expenses and set budgets helps in managing spending effectively. The AI powered question feature makes it easy to get quick insights into your financial behavior.

Pricing

The app is priced at £2.99.

Vibes

The app emphasizes a privacy-first approach, with the developer stating that no user data is collected. It supports Family Sharing, meaning up to six family members can use the app.

Additional Information

Penny is developed by Digital Hole Pvt. Ltd. The latest version is 1.2, which includes fixes for bugs and improvements to how the app runs. It is available in English and is suitable for users aged 4 and up. To use Penny, you need iOS 26.0 or later for iPhone and iPad, macOS 26.0 or later with an Apple M1 chip or newer for Mac, or visionOS 26.0 or later for Apple Vision.