PrivatePenny

Your money. Your rules. No bank login required.

PrivatePenny turns manual expense tracking into a rewarding habit. Instead of handing your bank credentials to yet another app, you stay in control - and the experience is worth every tap.

PRIVACY FIRST, ALWAYS
- No bank connections. No data selling. No tracking.
- All data stored on your device with iCloud sync
- On-device AI - your financial data never leaves your phone
- End-to-end encrypted via CloudKit

QUICK & EFFORTLESS ENTRY
- 3-tap transaction logging: Amount, Category, Done
- Siri Shortcuts & Action Button support - log expenses without opening the app
- Home Screen and Lock Screen widgets for instant access
- Smart category suggestions based on time of day
- Import bank transactions via Apple FinanceKit when you want to

SAVINGS GOALS THAT MOTIVATE
- Set a goal with a photo of what you're saving for
- Watch the image gradually reveal as you save - mosaic tiles, blur-to-clear, grayscale-to-color, or bottom-up fill
- Milestone celebrations at 25%, 50%, 75%, and 100%
- Earn holographic stickers for every completed goal
- Share beautiful achievement cards with friends

"SHOULD I BUY THIS?" AI ADVISOR
- Get instant, personalized purchase advice powered by on-device AI
- Analyzes your actual spending patterns, savings goals, and upcoming bills
- Works for purchases and loans - including installment plans
- Three verdict levels: Go For It, Think Twice, or Not Recommended
- All analysis happens on your device - completely private

SPENDING HIGHLIGHTS REELS
- Weekly, monthly, and yearly spending stories - like Spotify Wrapped for your money
- Swipeable, visual cards with insights, trends, and fun spending personalities
- Shareable summaries with optional amount hiding for privacy
- AI-generated commentary that celebrates wins, not guilt

LOANS & SUBSCRIPTIONS TRACKER
- Unified view of all recurring payments with a calendar
- Loan payoff strategies: Snowball vs. Avalanche comparison
- Refinance calculator with breakeven analysis
- Extra payment projections showing months and interest saved
- Payment reminders so you never miss a due date

SPLIT EXPENSES WITHOUT THE AWKWARD
- Create groups for roommates, trips, or any shared spending
- Equal, custom, percentage, or itemized splits
- Running balances per person - always know who owes what
- Settle up and keep clean records

MULTI-CURRENCY SUPPORT
- 150+ currencies with live exchange rates
- Track spending across currencies when traveling
- Automatic conversion for reports and totals

EXPORT YOUR DATA
- CSV and JSON export - your data is always yours
- No vendor lock-in, ever