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I have tried budgeting software for years. I always looked for some kind of system that would work my credit cards and sync with my banks instead of needing envelopes or spreadsheets. But all of those “automated” systems wound up being more trouble than they were worth and I could never sustainably keep up with them, despite their “automation”. On a recommendation I tried Pennies knowing that it was not automated. To my surprise, it’s simple concept actually makes the whole process easier for me to keep up with and has created a habit of tracking my money that has given me a more intimate knowledge of my spending than I’ve ever had. I’ve actually sustained it for 6 months now! It takes 5 seconds to record a transaction at the time of purchase. Then it takes another 5 minutes to export the entire month’s worth into Excel and run a quick pie chart to see where spending went. Done for the month! Love it!
Initially I was trying to use pennies to track everything we/I spend. Sheesh. We’re a family of 6 and it was just loony. Stupid too- I know already what our mortgage is each month- why track that? Realized that’s really not the app’s purpose (which I believe the dev. says in the faqs). It excels at providing a place and a means to manage and track the variable expenses, the ones I can control. So if I reduce expenditure in one area I can choose to save it, stockpile it for another month, use it in a different area, etc. What’s great is that as I enter my expenses (in the areas I track) I am forced to think about how that fits with my master plan. Which I honestly need- in the moment I can convince myself to purchase something, eg, that frankly blows my budget and really isn’t needed. Great accountability. So now- I track the variables I can control and manipulate monthly and it is terrific. Easy. Fast to enter. Intuitive. Adaptable to me. Really like it. Brilliant.
This app is simply the best. I used to use a full fledged budgeting app that was very complex, but after a few months I found that I simply didn't need all the bells and whistles. I throw the money I don't wanna touch in a savings account and use this app to manage my spendable money. The Apple Watch app is also a nice bonus. Awesome app. Great functionality. I simply can't live without it. Recommendation: Adding a “note” takes too may taps. You should explore ways to make adding notes quicker. For instance, when I click on a suggested note, have the menu close itself instead of having me hit the check mark. Or, since there’s so much unused screen space, maybe have theist always open as a scrolling list that shows 5 at a time, rather than having me click the add note button to make a big list shoot up from the bottom.
Wow. This app is exactly what I was looking for. Something to simply state how much so budgeted for extra expenses, how much I've spent, and what I've got left. You'd think all the other finance and budgeting apps would have this simple process but they don't! This app is worth the $4 I spent to be able to accurately track my expenses. I'm so excited to start a new journey towards better financial health and I have Pennies to partly thank!! The only improvements I would like are to be able to Edit the Note (Type In a Custom Note) AFTER you've already put the spending in for your budget. And I would also like to color-code budgets, since as of right now, they all have the blueish-green color. Anyway.. can't wait to see where this app goes and the wonderful additions it incorporates! Wonderful app! Buy it! You won't regret it!
I love this app so much. First, the aesthetics. It is beautiful to look at and very easy to navigate. The sounds effects are simple and satisfying to hear. Also, love the colors! Even more importantly though, this app helps me keep track of every single penny going in and going out. And what I *especially* love is how this app is so versatile! If something changes in my financial situation/needs later on, I can easily switch up my budgeting approach. The minimalistic functions allow for a flexible approach to budgeting and encourages “budget creativity” to use each of the app’s tools in their own way. For me this is what makes it fun—you can do whatever works best for you. The only thing is, as some users have mentioned, when you have a longer list of budgets (I have 28), the app lags quite a bit when toggling between budgets. It is somewhat frustrating at times when I am trying to balance my budgets quickly. But if you have fewer budgets or don’t mind exercising a little (sometimes a lot of) patience, then it isn’t *that* bad. I will continue using this app because of the flexibility it allows me for my budgeting needs. Plus, I have tried several apps in the past, and this Pennies one works best for me. Otherwise, the lagging truly would be a dealbreaker because it interrupts my budget planning flow.
Developed by the Super Useful Ltd,
Pennies – Budget and Expenses has 1 314 user reviews.
Pennies – Budget and Expenses has an average rating of 4.6.
The latest version of Pennies – Budget and Expenses (5.9.3) was released on Oct 19, 2019.
You can download Pennies – Budget and Expenses here:.
Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people.
••• Read the reviews and see what people are saying •••
"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"You need this app!"
••• MAIN FEATURES •••
> HELPS YOU
KNOW HOW MUCH TO SPEND
Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow.
> HELPS YOU SAVE MONEY
Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track.
> MORE PERSONAL THAN ANY OTHER BUDGETING APP
Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle.
> INSTANTLY SYNC VIA ICLOUD
Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you.
> AS MANY BUDGETS AS YOU NEED
Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up.
> FLEXIBLE EXPENSES
Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money.
> MULTIPLE CURRENCIES
Use any currency in the world for individual budgets.
> TRANSFER BETWEEN BUDGETS
Easily transfer money between budgets with a single click.
> SUPER SIMPLE, SUPER QUICK
Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know.
> 3D TOUCH SUPPORT
Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+
> TODAY WIDGET SUPPORT
Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies.
> BUDGETS ON ALL YOUR DEVICES
Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go!
Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple.
Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month.
So, start budgeting how you want, when you want, without any worry. Start using Pennies today!
If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too.
Check out Pennies in action: http://www.getpennies.com
Follow Pennies on Twitter – https://twitter.com/PenniesApp
Contact me – firstname.lastname@example.org
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