Description
Penny Budget is a simple, private budgeting app that keeps every number on your device by default
Penny Budget is a simple, private budgeting app that keeps every number on your device by default. No ads, no analytics, no tracking. Just you and your money. TRACK SPENDING YOUR WAY Log transactions by category and by card in seconds. See exactly where your money goes each month with clear breakdowns and progress bars for every budget category. KNOW YOUR SURPLUS Penny Budget shows you Salary minus Spending minus Savings, so you always know how much is really left over — not just what's in your checking account. SET REAL SAVINGS GOALS Create savings goals like an Emergency Fund, Vacation, or Home Repairs, assign a monthly target, and check off transfers as you make them. Watch your progress build month over month. BUDGET BY MONTH, NOT JUST TODAY Category limits and savings amounts are tracked per month, so adjusting this month's grocery budget never rewrites what past months looked like. Swipe between months to see your full history. STAY ON TOP OF CARDS Add your cards, track spend per card, and set billing/due dates so you always know when a payment is coming up. SEE THE BIG PICTURE Built-in insights show your 6-month spending trend, category breakdown, budget vs. actual, and surplus history — so you can spot patterns at a glance. IMPORT & EXPORT Bring in existing transaction history from a CSV statement export, and export your data anytime. Every imported transaction is shown for you to review and confirm before anything is added — duplicates and recurring bills are flagged automatically. Your data is always yours. OPTIONAL ACCOUNT — ONLY IF YOU WANT IT Penny Budget works fully offline and you never have to sign in. If you want a backup or a second device, you can create an optional account with an email address or Sign in with Apple, then back up and restore on demand. Nothing is uploaded automatically or in the background. SHARE A BUDGET WITH FAMILY Optionally invite family to co-edit one shared household budget, so everyone sees the same numbers. Entirely opt-in, and you can leave at any time — the budget on your device keeps working offline. PRIVATE BY DESIGN Your budget lives in on-device storage. There are no ads, no analytics, and no tracking, ever. Cloud backup and family sharing are strictly opt-in, and you can delete your account and its cloud copy from inside the app at any time. Whether you're tracking a simple monthly budget or managing multiple cards and savings goals, Penny Budget keeps it fast, clear, and private.
