Penny: Track Spending & Finances, Save Money

Offers in-app purchases

NOTE: Penny is no longer accepting new signups at this time. Please refer to our FAQ ( for more information.

Chat with Penny, your personal finance coach, to securely track your spending and plan for a better financial future! We’ve helped hundreds of thousands of people already. Stress less and save more money with Penny!

💬 Features
✔ Money Tracking: Explains your spending and income with friendly messages and simple, beautiful graphs.
✔ Spending Insights: Shares fun and useful facts, like where you shop most or how much you spend on fast food.
✔ Bill Tracking & Reminders: Tracks your upcoming bills and credit card payments and reminds you when they're due.
✔ Spending Notifications: Notifies you when new transactions arrive.
✔ Automatic Categorization: Sorts your spending into simple categories, automatically.
✔ Unified Finances: Shows all of your transactions and balances in one place.
✔ Fee Alerts: Warns you when your bank charges you a fee to try and save you money.
✔ Spending Goals: Helps you set achievable spending goals and take steps towards saving more & improving your personal finances.
✔ Personal Finance Coaching: Unlike typical spending trackers like Mint, Penny also teaches you best money management practices like investing and using savings accounts.

🔭 As Seen On
✔ New York Times
✔ Forbes: 12 Free Apps To Track Your Spending (2016)
✔ TechCrunch: Penny Is A Chat-Based Personal Finance Coach (2015)
✔ Lifehacker: Penny Tracks Your Spending and Walks You Through Your Budget (2015)
✔ Google Play Store Editor's Choice

...and many more!

🔒 Security
✔ We use SSL 256-bit encryption.
✔ 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.

⚙ Support
✔ Penny supports thousands of banks and credit cards including: JPMorgan Chase, Bank of America, Wells Fargo, Capital One / Capital One Credit Card, Navy Federal Credit Union (Navy FCU / NFCU), American Express (AMEX), Citibank, USAA Bank, US Bank, Discover / Discover Card, BB&T, PNC, TD Bank, Regions Bank, SunTrust Bank, Huntington Bank, Boeing Employees Credit Union (BECU), Fifth Third Bank, HSBC Bank, NetSpend (MetaBank), Woodforest Bank, Simple Bank, Key Bank, Ally Bank, PayPal, and many more.
✔ Penny is currently only available in the United States.

NOTE: You must have a bank or credit card to use Penny. If you run into any issues getting your account connected, please contact us at so we can help you!
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What's New

Been waiting for more Penny updates? Look no further!

* Nervous about your taxes? Penny's ready to talk you through your various options 💰
* Penny has many more insights to share! Some examples include showing how much you've made this year and explaining how to best pay off your debt 🤓

Happy chatting!
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Additional Information

March 1, 2018
Current Version
Requires Android
4.4 and up
Content Rating
In-app Products
$2.00 - $35.99 per item
Offered By
Friendly Finances, Inc.
404 Bryant St San Francisco, CA 94107
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