Private by default
Your money data lives on your device, encrypted, and nowhere else. No bank logins, no accounts, no servers. If we don't have it, it can't leak.
About
Every penny counted.
Every penny counted.
Nobody watching.
To see where your money goes, most apps want your bank password and a copy of your finances on their servers. Penny is built on the idea that a budget app can be smarter than that, and kinder.
A good budget app should help you decide, not just record. It should know what's safe to spend today, see the tight week coming, and keep all of it to itself.
What we believe
Four rules we build by.
Every feature has to pass all four before it ships.
Decisions over data
Charts are easy. Penny turns your numbers into an answer: what you can spend today, how to split this paycheck, which subscription crept up.
Calm, not nagging
One reminder on days you forget, not ten a day. Undo instead of “Are you sure?”. Insights ranked by the money at stake, so the small stuff stays quiet.
Honest numbers
Only your share of a split bill. Repayments that aren't mistaken for income. A health score checked against research, and clearly labelled as guidance.
The little slice.
Penny's mark is a pie chart with one slice lifted out. We think of it as the part of your money you've planned, set aside or saved: the whole idea in one shape.
Who makes Penny
Penny is made and published by Akrot Software. Your financial data never reaches us.
Built with its users
Ideas from Penny's community on Discord and Reddit help shape what comes next.
Get in touch
Support, press or partnerships: [email protected].
Come and try it.
Free during the beta. No account, no bank login, no ads.