Track your money.
Understand your life.
The cleanest expense tracker for people who want clarity, not complexity. Free forever. No ads. Works without internet.
No credit card required · Free plan forever · Cancel Pro any time
PennifyFriday, March 20
Good morning, John.
Total balance
$2,160.00
Monthly income
$6,000.00
Monthly expenses
$3,840.00
Savings rate
36.0%
Recent transactions
View all →Grocery store
Mar 18
−$84.20
Salary
Mar 15
+$5,200.00
Uber
Mar 14
−$12.50
Coffee shop
Mar 14
−$6.80
Budget overview
Manage →$284 of $500
$212 of $300
$250 of $200
$56 of $100
How it works
Up and running in minutes.
No complicated setup. No learning curve.
Create your account
Sign up in seconds. No credit card required. Start with a free account and set up your first spending categories.
Add your transactions
Log expenses and income in under five seconds. Works offline too — your data syncs automatically when you reconnect.
Understand your money
See where your money goes with clear charts and monthly reports. Set budgets and get warned before you overspend.
< 5s
To log an expense
Free
Forever. No tricks.
50+
Currencies supported
Features
Everything you need. Nothing you don't.
Built for people who want clarity over complexity. Every feature is intentional.
Works offline
Offline firstAdd expenses on the go — no signal needed. Pennify saves everything locally and syncs to the cloud the moment you reconnect. Your data is never lost.
Budgets that actually work
Set monthly budgets per category and see exactly how much you have left. Pennify warns you before you overspend — not after.
Instant expense tracking
Log an expense in under five seconds. No forms, no friction. Just the amount, the category, and you're done.
Multiple accounts
Track cash, bank accounts, and cards separately. See the full picture of your finances in one place without mixing everything together.
Reports that make sense
Free foreverMonthly breakdowns, category trends, and income vs expense charts — all free. No spreadsheets, no exports required.
Download your data
Export your transaction history as a PDF or CSV whenever you need it. Your financial data belongs to you — take it anywhere.
Recurring transactions
Set up rent, subscriptions, and regular income once. Pennify logs them automatically every month so you never forget.
Bank account linking
Pro featureConnect your bank and let Pennify pull in transactions automatically. Stop logging manually and start actually understanding your spending.
Secure and private
Your financial data is encrypted and never sold to third parties. Pennify does not run ads and has no interest in your personal information.
Testimonials
Trusted by people who take
their money seriously.
“I tried four expense apps before Pennify. This is the first one I actually kept using past week one. It gets out of the way and lets me see where my money goes without making it complicated.”
Sarah Mitchell
Freelance designer
“Living on a tight budget as a student, I needed something free that actually does the job. The budget tracking in Pennify tells me exactly how much I have left in each category. It stopped me overspending more than once.”
Aisha Patel
Graduate student
“I love that the free plan is genuinely useful. Other apps lock everything behind a paywall then wonder why nobody upgrades. Pennify gave me value first. That's why I went Pro.”
Emily Zhang
Marketing manager
“The offline mode is what sold me. I travel a lot and most apps are useless without internet. Pennify just works. I add expenses on the plane and everything syncs when I land.”
James Okonkwo
Software engineer
“Clean, fast, and honest. No ads, no upsells every time I open it. The reports section alone is worth it — I finally understand my cash flow without hiring an accountant.”
Carlos Reyes
Small business owner
“The UI is the best I have seen in any finance app. Everything is in the right place. It looks like something Apple would design — clean, calm, no clutter. I check it every day.”
Daniel Osei
Teacher
The UI is the best I've seen in any finance app. It looks like something Apple would design — clean, calm, no clutter.
Daniel Osei
Teacher
“I love that the free plan is genuinely useful. Other apps lock everything behind a paywall. Pennify gave me value first. That's why I went Pro.”
Emily Zhang
Marketing manager
“I tried four expense apps before Pennify. This is the first one I actually kept using past week one. It gets out of the way and lets me see where my money goes without making it complicated.”
Sarah Mitchell
Freelance designer
“The offline mode is what sold me. I travel a lot and most apps are useless without internet. Pennify just works. I add expenses on the plane and everything syncs when I land.”
James Okonkwo
Software engineer
“Living on a tight budget as a student, I needed something free that actually does the job. The budget tracking in Pennify tells me exactly how much I have left in each category. It stopped me overspending more than once.”
Aisha Patel
Graduate student
“Clean, fast, and honest. No ads, no upsells every time I open it. The reports section alone is worth it — I finally understand my cash flow without hiring an accountant.”
Carlos Reyes
Small business owner
“I love that the free plan is genuinely useful. Other apps lock everything behind a paywall then wonder why nobody upgrades. Pennify gave me value first. That's why I went Pro.”
Emily Zhang
Marketing manager
“The UI is the best I have seen in any finance app. Everything is in the right place. It looks like something Apple would design — clean, calm, no clutter. I check it every day.”
Daniel Osei
Teacher
Pricing
Simple, honest pricing.
Start free. Upgrade only when you need more. No hidden fees.
Free
Everything you need to take control of your spending.
Pro
For people who want the full picture of their finances.
All plans include unlimited devices · Cancel anytime · Payments secured by LemonSqueezy
Yes. The free plan is free forever — no trial period, no credit card required. You get unlimited transactions, multiple accounts, monthly reports, and PDF downloads at no cost. We only charge for advanced features like bank linking and AI insights.
Yes. You can add expenses, view your recent transactions, and check your budget while offline. Everything syncs automatically the moment your connection comes back. You never lose data.
Your data is encrypted in transit and at rest. We do not sell your data, run ads, or share your information with third parties. Pennify makes money through subscriptions — your data is never the product.
Yes. Pennify has a full web app that works on any browser, and an Android app available on the Play Store. Your data stays in sync across all your devices automatically.
Bank linking is a Pro feature that connects to your bank securely and pulls in transactions automatically. You stop logging manually and Pennify categorizes your spending for you. We use bank-level encryption and read-only access — we can never move your money.
Free users can download PDF reports of their monthly transactions. Pro users can also export to CSV and Excel — useful for accountants, tax time, or just keeping your own records.
Free users can set their currency during account setup. Pro users can track multiple currencies with automatic exchange rate updates — useful if you travel or earn in different currencies.
Yes, any time. Cancel from your account settings and you keep Pro access until the end of your billing period. No cancellation fees, no questions asked.