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 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.
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.
Add expenses, check your budget, and browse transactions — all without internet.
Recent expenses
Offline3 items saved locally. Will sync when online.
Budgets that show you where you stand.
Setting a budget is easy. The hard part is knowing where you are before it's too late. Pennify shows your budget progress in real time — each category tracked separately so you always know exactly where the money is going. See at a glance which categories are on track and which need attention.
You can set how early you want to be warned — at 70%, 80%, or 90% of your budget.
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. PDF export is free for everyone. CSV and Excel export are available on Pro.
PDF export is free. CSV and Excel export are Pro features.
March 2026
Spending breakdown
Import from your bank statement.
CSV import is free for everyone — just export from your bank and drop the file in. On Pro, you can also upload a PDF bank statement or a photo of your statement and Pennify will read it for you, pulling out every transaction automatically. No copying, no typing.
CSV import is free. PDF and image import require a Pro subscription.
Import options
Salary deposit
Mar 1
Grocery store
Mar 3
Netflix
Mar 5
Transactions ready to import.
Lent money? Borrowed some? Track it separately.
Most finance apps have no place for informal money — the cash you lent a friend, the amount you still owe someone from last month. Pennify has a dedicated Debt tracker that keeps all of this completely separate from your income, expenses, budgets, and reports. It has no effect on your account balance. It is just a clean, simple ledger for the money that flows between people.
Debts are never counted as income or expenses. They live in their own space.
Debt tracker
You are owed
$320
You owe
$150
Ahmed
$80 paid
Sara
Bilal
$50 paid
Never mixed with your real transactions.
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.
Your data is encrypted in transit and at rest. Export or delete everything at any time.
Your data policy
Ready for the full picture?
Unlimited categories, CSV & Excel export, statement import and more — all in Pro.