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 shows your progress in real time so you can course-correct 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. Free plan includes up to 3 accounts. Pro gives you unlimited — add as many as you need.
Reports that make sense
Free foreverMonthly breakdowns, category trends, and income vs expense charts — all free. No spreadsheets required. PDF export is free for everyone.
Export your data
Download a PDF report of your transactions for free. Pro users can also export to CSV and Excel — useful for accountants, tax time, or keeping your own records.
Recurring transactions
Set up rent, subscriptions, and regular income once. Pennify tracks them as recurring entries so you never forget what's coming out of your account.
Import from your bank
Pro featureCSV import is free — export from your bank and drop it in. Pro users can also upload PDF statements or photos and Pennify pulls the transactions out automatically.
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.
All plans include unlimited devices · Cancel anytime · No hidden fees
Yes. The free plan is free forever — no trial period, no credit card required. You get unlimited transactions, up to 3 accounts, up to 5 custom categories, monthly reports, PDF downloads, and CSV import at no cost.
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 web app that works on any browser, and a mobile app is on the way. Your data syncs across all your devices automatically.
CSV import is free for all users — just export a CSV from your bank and drop it in. Pro users can also upload a PDF bank statement or a photo of a statement and Pennify reads it automatically.
Free users can download PDF reports of their transactions. Pro users can also export to CSV and Excel — useful for accountants, tax time, or keeping your own records.
Pennify supports 50+ currencies. You can set your preferred currency in account settings and all amounts will be displayed accordingly.
Yes. Pennify has a dedicated Debt tracker that is completely separate from your income and expenses. You can record money you lent to someone or borrowed from someone, track partial repayments, and mark debts as settled when they are cleared. None of this touches your account balance or appears in your transaction history.
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.