Daily activity
Track expenses, income, and transfers across the accounts that make up your financial life.
Personal finance, without the noise
Know where your money goes. Keep it yours.
Penny brings transactions, monthly budgets, recurring activity, and clear spending insights into one calm workspace on your device.
No Account RequiredRecords Stay on Your DeviceNine Interface Languages
A workspace you can read at a glance
From the month overview to the next decision.
See balances, recent activity, budget progress, recurring dates, and longer-term patterns without turning personal finance into a second job.
A clearer money routine
Built around the decisions you make every month.
Record what happened, plan what comes next, and understand the difference. Penny keeps the workflow focused and the information readable.
Monthly budgets
Set category limits and see posted spending update each plan automatically.
Recurring schedules
Review upcoming rent, subscriptions, salary, and bills before posting each occurrence.
Useful insights
Compare income and spending across a month, quarter, or year with category breakdowns.
Receipt records
Keep receipt images and PDFs attached to the transaction they belong to.
Portable copies
Export transaction history to CSV and create a local backup whenever you choose.
How it works
Add your accounts
Start with the balances you already know. No online bank connection or login is required.
Record real activity
Add transactions and recurring schedules as they happen, with categories and optional receipts.
Review the pattern
Use budgets and insights to understand the month and decide what you want to change next.
Practical money guides
Useful even before you choose a tool.
Clear explanations, checklists, and repeatable routines for the everyday personal-finance questions that spreadsheets rarely answer.
How to Build a Realistic Monthly Budget That Actually Works
Use real spending, fixed commitments, and a deliberate buffer to create a plan you can keep.
Why Your Budget and Bank Balance Tell Different Stories
Understand the timing, transfers, and accounting differences behind a common money mystery.
How to Track Recurring Expenses Without Missing Renewals
Build one reliable list for subscriptions, bills, annual fees, and irregular renewals.
Monthly Personal Finance Review: A 20-Minute Tutorial
Turn a pile of transactions into one useful decision with a short monthly checklist.
Questions, answered
Before you begin
Do I need to create an account?
No. Penny does not require registration or a sign-in.
Where are my financial records stored?
Penny stores its working database and receipt attachments locally on your device. You choose when and where to create exported CSV files or backups.
Does Penny connect to my bank?
No. You enter and review the records you want Penny to track, keeping you in control of the information in the app.
Are recurring transactions posted automatically?
No. Penny shows upcoming activity, but every recurring occurrence must be reviewed and posted by you.
Can I move my data?
Yes. You can export transaction history to CSV and create a portable database backup.
Can I use different currencies?
You can choose the currency used to format totals and reports. Penny does not perform currency conversion.
Which languages are available?
English, Simplified Chinese, Traditional Chinese, Japanese, Korean, French, German, Spanish, and Portuguese.
How do I get help?
Email support@iamdev.me with questions or feedback.
Give your money a calmer place to live.
Get Penny from the Microsoft Store.
View in Microsoft Store