Features
Everything you need.
Nothing you don't.
Pennify is built around one idea: get out of the way. Every feature earns its place.
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.
A closer look
The details that matter.
Your data, even without a signal.
Most apps are useless on a plane, underground, or anywhere with a bad connection. Pennify works completely offline. Add expenses, check your budget, and view transactions — all without internet. The moment you reconnect, everything syncs silently in the background. No conflicts, no duplicates, no lost data.
Uses IndexedDB for local storage with conflict-free sync on reconnect.
Recent expenses
Offline3 items saved locally. Will sync when online.
Budgets that warn you before it's too late.
Setting a budget is easy. The hard part is knowing when you're about to blow it. Pennify shows your budget progress in real time and sends a warning when you're approaching your limit — not after you've already overspent. Each category is tracked separately so you always know exactly where the money is going.
Alert threshold is configurable from 70% to 90% in Settings.
Budget overview
Reports that actually make sense.
Most finance apps lock their best charts behind a paywall. In Pennify, reports are free. See your income vs expenses over time, your top spending categories, and how your habits change month to month — all in one place, all included in the free plan. No exports required, no spreadsheets to maintain.
PDF export is free. CSV and Excel export are Pro features.
March 2026
Spending breakdown
Connect your bank. Stop logging manually.
Bank account linking pulls your transactions in automatically. Pennify categorizes them for you and matches them against your budgets in real time. You get the same clarity as manual tracking, without any of the work. We use read-only access and bank-level encryption — we can see your transactions, but we can never move your money.
Bank linking requires a Pro subscription.
Connected accounts
Chase Checking
$4,210.00
Savings account
$8,270.00
Visa card
−$384.20
Private by design. Not by policy.
Pennify does not run ads. It does not sell your data. It does not share your information with third parties. The business model is subscriptions — your data has no role in how Pennify makes money. Your transactions are encrypted in transit and at rest. You can export or delete everything at any time.
Data is encrypted with AES-256 at rest and TLS 1.3 in transit.
Your data policy
Ready for the full picture?
Bank linking, AI insights, CSV export and more — all in Pro.