Chat with Penny to effortlessly manage your money and get useful advice. We’ve already helped hundreds of thousands of people plan for a better financial future!


• Explains your spending and income with friendly messages and simple, beautiful graphs.
• Shares fun and useful facts, like where you shop most or how much you spend on fast food.
• Tracks your upcoming bills and credit card payments and reminds you when they're due.
• Notifies you when new transactions arrive.
• Sorts your transactions into simple categories, automatically.
• Offers friendly suggestions on how to get the most from your money.
• Shows all of your transactions and balances in one place.
• Warns you when your bank charges you a fee.
• Helps you set achievable goals and take steps towards improving your financial health.
• Built with bank-grade security by industry veterans.


• TechCrunch: Penny Raises $1.2M in Funding For Its Personal Finance Bot
• New York Times: Jamie Dimon Wants to Protect You From Innovative Start-Ups
• Forbes: Look Here For A Glimpse At Facebook’s Chatbot Future
• TIME: 25 Websites That Will Help You Stick to Your Resolution
• Lifehacker: Penny Tracks Your Spending and Walks You Through Your Budget
• Product Hunt: A Personal Finance Coach That’s Simpler Than Mint

...and many more!


• We use SSL 256-bit encryption—the same security protocol that banks use.
• Access to Penny is protected by TouchID fingerprint authentication.
• Nobody, including you, can access your money with Penny.
• Penny never stores your bank credentials.
• Closing your Penny account deletes all information from our servers, as if you had never signed up.


Penny is completely free to use, and we don’t sell your information to anyone!


Penny offers a premium membership called Penny+. With a Penny+ membership, you can turn on more categories, edit transaction names, refresh your balances whenever you want, and more. Your Penny+ membership will automatically renew at the end of each term and your credit card will be charged through your iTunes account. You can turn off auto-renew at any time from your iTunes account settings.

Penny+ includes two primary auto-renewing subscription options:
$3.99 per month
$35.99 per year

Privacy Policy:
Terms of Use:

Note: Penny is currently only available in the United States.

What's New

Version 2.1.1

Penny's constantly learning new skills, but here are some quick highlights from this version!

* Penny now has better support for the iPhone X.
* For those awesome folks who have been using Penny for a while, Penny will now give you a recap of your 2017 finances.

Happy chatting!

Customer Reviews

4.8 out of 5

5.1K Ratings

5.1K Ratings

Charming and helpful lil app


Penny is a wonderful app, it's very easy to setup and link your accounts. Using it is a bit of a surreal experience at first, it's a lil odd that Penny actually "talks" to you but you get used to it quickly. Her fun facts are probably the best bit of the app, wish there was a feature to get them more frequently. Sends account notifications almost immediately as they happen. The graphs and data that Penny presents about your spending habits are clean and easy to follow. This app is like having your own financial adviser. I think it's the app simplistic and clean layout that makes it so appealing and fun to use.

Edit: I have to update my review, sadly not for the better. The app worked well for about 3 or 4 months and then for whatever reason stopped updating my account balances/transactions. Some communication login error with my bank. Gave it two months to see if it could be fixed, app support were helpful and communicative about the issue. Sadly without having updated balances/account information the app is now useless. Quite a shame.

Tech at its finest!

Wannabe Llellamental

So I literally downloaded Penny last night and after exploring it I decided I loved it and wanted to get Penny Plus! I was able to connect all of my accounts and have it analyzed for FREE. Something that was never previously available to a young millennial like myself now is. And now for a small monthly fee I can get even more in depth knowledge into my finances. I plan on using this for EVERYTHING finance related in the future. Penny dear, we are going to make an awesome team!

I hope eventually the tech will get to a place where Penny will be able to pay my bills for me. Imagine if I could get her connected to my water, electric, rent, etc companies and with a tap of a button my bills are paid. I understand Penny is still developing but I can easily see it taking this direction and I can only imagine that the Penny Development Team has this in their scope for the future.

Penny's human minions you guys are amazing and please keep up the good work! I have no issue paying for this service. Y'all rock 🤘🏼

Fantastic App!! Changed my life.


This is probably one of the best decisions I've ever made, getting this app. I've always been bad with my money. I'm the person that will purposely not look at my banking app because if I don't know how much money I've spent it's like I never spent it. I was seeking help through financial counseling and was looking at bill reminder apps and came across this. Truly love this so far and it's already helped me a lot. I just wish there was a little more to it. It would be the best app in the world if you could do more with the notifications/reminders. Example, if I could set a daily spending limit. As I spend money, I would get a notification saying "You've spent $16 out of the $50 budget you set for today. That leaves you $34 for the day." Something that would help me be smart about my money a little more. Also if it could help manage bills a little more. But other than that, it's amazing. Definitely worth it, especially being free. You could charge and make good money!! Thank you for a great app.


Friendly Finances, Inc.
9.4 MB
Requires iOS 8.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2017 Friendly Finances, Inc.
In-App Purchases
  1. Penny+ $3.99
  2. Penny+ $4.99
  3. Donation to Penny $2.99


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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