PennyFi
Not in any tracked top chart right now.
Updated 21 Oct 2026 · rankings refresh through the day
DeveloperVALENTINA MARIANA FARCASANU
CategoryFinance
Price5.99 EUR
Released
Rating★ 0.0 (0)
Version2.8
Age rating4+
First seen by us
6 Oct 2026
6 Oct 2026Rating
0.0 ★
0 ratings
Measured
PennyFi on the App Store
App details
App ID
6763116333
Publisher
VALENTINA MARIANA FARCASANU
On the store since
May 2026
Under a year
Minimum OS
iOS 27.0+
Devices
iPhone · iPad
Universal purchase
Content rating
4+
Languages
29
AR BG HR CS DA NL EN FI FR DE EL HE …
Size
42 MB
Also listed in
Utilities
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| Not charting right now. | ||
Ratings
App Store, worldwide.
Rating
0.0 ★
0 ratings
Measured
Ratings
0
Measured
About PennyFi
PennyFi — your money, in your pocket, on your terms.
Pay once, own it forever. No subscriptions, no bank logins, no ads. Your finances stay on your device — and PennyFi's smart features run on Apple's on-device AI, so nothing you enter ever leaves your hands.
KNOW WHAT YOU CAN SPEND
• Safe to Spend: one number that answers "can I buy this?" — what's left after bills, budgets, and goals
• Cash flow forecast: see your balance weeks ahead, before the bills hit
• A customizable Home dashboard: net worth, cash on hand, upcoming bills, top expenses, and more
BUDGET YOUR WAY
• Guided Budget Builder: answer a few questions, get a working budget
• Classic methods (50/30/20 and friends) or fully custom categories
• Budget calendar, spending pace, and gentle alerts before you overshoot
• Budget together: share accounts and budgets with your partner over iCloud — you both view and edit, no extra account needed
EVERY ACCOUNT IN ONE PLACE
• Cash, savings, credit cards, loans, and investments — in any mix of currencies
• Savings interest tracking, debt payoff strategies (avalanche or snowball), and loan payments with an adjustable interest–principal split
• Investment portfolios with live prices and performance history
EFFORTLESS ENTRY
• Scan a receipt — amount, payee, and line items are filled in by on-device AI
• Import bank statements from CSV or PDF, with smart duplicate detection
• Rules auto-categorize as transactions arrive; PennyFi even suggests the rules
• Split one purchase across categories, tag anything, log by voice with Siri
• Review: sweep new transactions in a quick card session — and note how the spending felt
UNDERSTAND YOUR MONEY
• Ask PennyFi anything about your spending — answered privately, on your device
• Smart Insights that stay calm: snooze them or dismiss them for good
• Spending anomaly alerts, subscription detection, weekly recap, no-spend streaks, age of money
• Reflect: beautiful reports on where it all went, month by month and year by year
LIFE ADMIN, HANDLED
• Recurring bills with reminders, calendar sync, and a Live Activity for the next bill due
• Shared expenses with friends and settle-up math done for you
• Savings goals with target dates and progress you can see
PRIVATE BY DESIGN
• No bank connections — that's a feature: nothing to breach, no credentials to hand over
• Face ID / Touch ID app lock
• iCloud sync across your iPhone, iPad, and Mac; local backups and full CSV export any time — your data is yours to keep
AT HOME ON EVERY DEVICE
• Built natively for iPhone, iPad, and Mac
• Widgets for Safe to Spend, net worth, and more
• Siri Shortcuts, global search, and full keyboard support on Mac
• Available in 30 languages
One price. Every feature. Forever. That's the deal.
Pay once, own it forever. No subscriptions, no bank logins, no ads. Your finances stay on your device — and PennyFi's smart features run on Apple's on-device AI, so nothing you enter ever leaves your hands.
KNOW WHAT YOU CAN SPEND
• Safe to Spend: one number that answers "can I buy this?" — what's left after bills, budgets, and goals
• Cash flow forecast: see your balance weeks ahead, before the bills hit
• A customizable Home dashboard: net worth, cash on hand, upcoming bills, top expenses, and more
BUDGET YOUR WAY
• Guided Budget Builder: answer a few questions, get a working budget
• Classic methods (50/30/20 and friends) or fully custom categories
• Budget calendar, spending pace, and gentle alerts before you overshoot
• Budget together: share accounts and budgets with your partner over iCloud — you both view and edit, no extra account needed
EVERY ACCOUNT IN ONE PLACE
• Cash, savings, credit cards, loans, and investments — in any mix of currencies
• Savings interest tracking, debt payoff strategies (avalanche or snowball), and loan payments with an adjustable interest–principal split
• Investment portfolios with live prices and performance history
EFFORTLESS ENTRY
• Scan a receipt — amount, payee, and line items are filled in by on-device AI
• Import bank statements from CSV or PDF, with smart duplicate detection
• Rules auto-categorize as transactions arrive; PennyFi even suggests the rules
• Split one purchase across categories, tag anything, log by voice with Siri
• Review: sweep new transactions in a quick card session — and note how the spending felt
UNDERSTAND YOUR MONEY
• Ask PennyFi anything about your spending — answered privately, on your device
• Smart Insights that stay calm: snooze them or dismiss them for good
• Spending anomaly alerts, subscription detection, weekly recap, no-spend streaks, age of money
• Reflect: beautiful reports on where it all went, month by month and year by year
LIFE ADMIN, HANDLED
• Recurring bills with reminders, calendar sync, and a Live Activity for the next bill due
• Shared expenses with friends and settle-up math done for you
• Savings goals with target dates and progress you can see
PRIVATE BY DESIGN
• No bank connections — that's a feature: nothing to breach, no credentials to hand over
• Face ID / Touch ID app lock
• iCloud sync across your iPhone, iPad, and Mac; local backups and full CSV export any time — your data is yours to keep
AT HOME ON EVERY DEVICE
• Built natively for iPhone, iPad, and Mac
• Widgets for Safe to Spend, net worth, and more
• Siri Shortcuts, global search, and full keyboard support on Mac
• Available in 30 languages
One price. Every feature. Forever. That's the deal.
Latest updates
2.8
A typo can't cost you data
A mistyped amount could delete a category's budget, sell a whole holding, or save a shared household amount a thousand times too small. Those screens now wait until the amount can be read, and editing a transaction has a Cancel button.
Transactions keep their account across devices
With PennyFi on more than one device, a transaction could lose its account when the other device saved into that same account, and a repair could be undone the same way. PennyFi now keeps the link. If Settings → Backup & Export → Repair Orphaned Transactions lists any, assign them once more and they'll stay.
Glass widgets
Edit a widget and set its Background to Glass for a frosted card instead of a solid one.
Worth versus what you put in
Choose vs Invested on the performance chart to see your portfolio's value against the money you put in, with the gap shaded. An All range covers your whole history, and crypto no longer drops out of charts longer than a year.
Ask PennyFi follows the conversation
Answers appear as they're written, a follow-up like "what about last month?" knows what you asked before, and it can now see last month, the year so far and this month's budget.
Scan Receipt, beside the amount
The button now sits next to the amount it fills in and scans a photo as soon as you pick it. Canceling the camera no longer removes a photo you had already attached.
Adding a transaction, smoothed out
It starts on the account you used last, keeps the payee you type, tells you when a rule will pick the category, and the confirmation has Undo.
Balance Adjustment takes the real balance
Enter what the account actually holds and PennyFi records the difference. Before, the number you entered was recorded as the change itself.
Statement imports stop dropping amounts
An amount alone on its line in a PDF statement was silently skipped, so its transaction could go missing. Those amounts now come through.
App Lock covers everything
A sheet left open when PennyFi went to the background stayed visible over the lock, and on Mac, Settings could be opened while locked. The lock now covers both.
Ready for iPhone Duo
Toolbars fit iPhone Duo's vertical bar and keep the buttons you use most in view.
A taller Net Worth widget
The extra-large Net Worth widget gains a portrait layout, and VoiceOver now reads all six of its figures instead of three.
Readable buttons in dark themes
Labels on the app's cyan buttons were hard to read in dark themes. They now switch to black there for clear contrast.
2.7
Bills now ask before they post
PennyFi used to enter recurring bills on its own, without a word. Now anything due can be listed for you to approve, edit, or skip first — and you can change the amount before it's recorded, which matters for loan payments that move month to month. Set it per bill, or leave the ones with known amounts posting on their own. Settings › Recurring Bills.
Nothing due quietly disappears
A loan payment you missed used to vanish from every screen the day after it was due. Missed bills, planned one-offs, and loan payments now stay visible, and Upcoming has a new Missed list that answers "what didn't I get to?" — including up to a year of unpaid loan and card minimums.
Built for iOS 27 and macOS 27
Toasts, progress indicators, and the iCloud banner pick up the system's Liquid Glass materials.
Layouts follow the window, not the device
Resize PennyFi on iPad and the content re-lays as you go. Reflect's summary figures no longer run into each other in a narrow window, and Money Flow comes back when you widen it again. Money Flow's labels no longer clip mid-word or sit on top of each other.
Payers, where you needed them
Editing a transaction can now create a payee without leaving the sheet, and income asks for a payer instead. Logging an upcoming item shows the payer it will use and lets you change it — planned items used to be saved without one.
The right currency on every amount
A euro bill was labelled with your app currency in the recurring list, its editor, and the split editor. Every figure now shows the currency of the account it belongs to.
Mac, finished properly
Every add button behind Settings — Categories, Payees, Tags, Rules, Recurring, Split & Settle — now opens what it should, and going back returns you to the pane you came from. Sheets carry the app's own colors instead of a gray system strip, and their buttons sit on a solid bar rather than printing over the row underneath. Search fits the window.
Also in this release
• Cost Basis, Total P&L, and Today share one size, so the portfolio row reads level
• When a cash-flow projection is already negative, the zero line no longer draws across the card header
• Bill reminders now tell you when notifications are switched off, instead of failing silently
• Menu icons stay where they identify an account or category, rather than an action
PennyFi 2.7 requires iOS 27 or macOS 27. On Mac it is now Apple silicon only — a smaller download with nothing in it your Mac can't run.
Store changes
What PennyFi changed on its store page: name, icon, screenshots, price, size, languages, requirements.
New iPad screenshots
New screenshots
10 screenshots (was 8)