OnePenny is your personal finance companion: log every expense in seconds, keep your bills and debts under control, and see how healthy your finances really are, all in one place.

SCAN A RECEIPT, DONE
• Point your camera at a receipt: OnePenny reads the merchant, date, subtotal, tax, tip, total and payment method, then opens it ready to review. Check it and save.
• Short on time? Scan now and finish later from Pending Receipts.
• Paid in another currency? The currency is detected and converted to US dollars, keeping the original amount and exchange rate.
• Split a shared bill and keep only your share.
• A warning appears before you save the same receipt twice, with the option to update the expense you already have.

STAY ORGANIZED
• Browse by merchant, category or project, with charts and monthly trends.
• Recurring charges never surprise you: rent, subscriptions and utilities are added automatically or wait for your approval.
• Import expenses from a spreadsheet or another app.
• Scan History, Duplicates and a Trash for expenses and images: nothing is lost by accident.
• Reports by category, by merchant and a Master Report, to view, download (PDF, Excel, CSV) or email to your accountant.

NEVER MISS A DUE DATE
• One Reminders page for your bills, credit cards and loans.
• Mark bills as paid, record card and loan payments, and keep a payment history.
• Group reminders into one tidy email on the schedule you choose.

UNDERSTAND YOUR FINANCES
• My Credits keeps your credit cards and loans with balance, rate and due date, plus estimated interest and payoff time. Scan a card statement to update it.
• Compare Avalanche and Snowball to find the fastest way out of debt.
• Your OnePHFI Financial Health Index (0 to 100) is calculated from your real income, spending and debts, tracked over time, with tips on what to improve. It is informational, not a credit score.

FOR RECEIPTS WITH TAX FIELDS
• Receipt Templates add the extra fields your receipts carry, such as the NCF and RNC on Dominican receipts, and fill them when you scan.

EASY TO FIND YOUR WAY
• A simple menu: one card per group, opening into large icons.
• Built-in Help with real-life examples and Ancla, the assistant that answers your questions.
• Choose how the expense window looks: two short steps or one screen.

YOUR DATA, PROTECTED
• Two-factor authentication with an email code or an authenticator app.
• Lock the app with your fingerprint or face unlock.
• Delete your account and data whenever you want.
• Available in English and Spanish.

Free plan included, plus a 30-day trial when you sign up. Pro and Advanced plans add more AI scans, projects, reports and other features.

OnePenny does not lend money, move money or process payments. It is built by Ancla Tech LLC in Massachusetts, USA.