Spend with intention, save without stress.
A calm, honest view of your money: income, spending, upcoming bills and a savings goal that moves forward every month.
Free to try. No card required.
How it works
- 1Add your regular income and recurring costs.
- 2Decide how much goes to each envelope.
- 3Add each expense in a couple of taps.
- 4Review the month and move money to savings.
Frequently asked questions
Can I share a budget with someone?
Yes. Invite a partner or roommate to a shared budget while keeping your personal categories to yourself.
Which currencies are supported?
All major currencies, with daily exchange rates for accounts held in more than one. Totals are shown in the currency you choose.
Do I have to connect a bank account?
No. Pennywise works fully with manual entries. Bank import is optional and read-only, and you can disconnect it whenever you like.
About Pennywise
Budgeting fails when it demands perfection. Our approach is simpler: know roughly what comes in, decide what the important categories may cost, log spending as you go and look at the month once it is over. The app makes each of those steps a few taps, shows the number that matters, which is what is safe to spend today, and never lectures. Manual entry is the default because it keeps you honest; bank import is there when you want less typing.
What you get
Upcoming bills
See how much is committed before payday so the number left to spend is the real one.
Save for what matters
Round up spare change or set a fixed amount. Either way the goal moves every month without you thinking about it.
Fast expense entry
Amount, category, done. Recent merchants are suggested first, and recurring costs are added for you automatically.
Envelopes for everything
Soft warnings before you go over, not lectures afterwards. The goal is awareness, not guilt.