Pennies – Budget and Expenses App Positive ReviewsSuper Useful Ltd

Pennies – Budget And Expenses Positive Reviews

4.6
4.61993 star

Total 158 Positive Reviews

Pennies – Budget and Expenses App User Positive Comments 2024

Pennies – Budget and Expenses app received 158 positive comments and reviews by users. Can you share your positive thoughts about pennies – budget and expenses?

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Pennies – Budget and Expenses for Positive User Reviews

SimpleNice and simple the way I like it..Version: 5.9.7

Excellent and simple budget trackingWould like to see graphs and an Apple Watch application..Version: 5.9.7

Well made!We need widgets though..Version: 5.9.7

Simple yet powerfulThe *other* budget apps were too complex to be useful for my needs. Good info, I’m sure, but realistically I don’t have time to input all the data they need nor the time or skills needed to interpret their results. *This* budget app, Pennies, I’ve found uniquely practical and useful where it counts. It connects me to my spending and my limits easily and in a visually useful way. Quick. Simple. Check it on the go. Keep it with me all the time. It does one thing really well: monitor spending progress during the budget period (set by user) and warning you visually with colors when you approach or exceed defined limits. This quick glance system easily shows which budget categories I need to be careful with and slow down to meet my goals In brief: I’ve tried on a number of apps but prefer this one because it is easy to input data and easy to read and monitor the results. I want it to do just a few things we’ll. Keep it simple. That it does..Version: 5.9.7

Easy to do - so you keep using itLove the app. It’s all I need to keep my spending in check. It’s super easy to use and makes sticking to a budget fun. The other apps are often overwhelming. This has everything I need..Version: 5.9.7

Best way I've found yet to manage my moneyAs the title says, so far this is the best app I've found to manage my money. Both spending and saving, I've started to see light at the end of the tunnel and I know it's not a train! The watch app makes it so easy to remember to update your spending (gets a bit annoying when the watch and phone are out of synch, but I'm still using a first gen watch) Get this app..Version: 5.3

Helped me buy a wasp nestI see what all the buzz is about..Version: 5.9.7

Best budgeting appI’ve tried so many apps, but this one keeps it sleek and simple. only improvement I would make is to be able to set bi-weekly income dates on weekends as well, not just weekdays.Version: 5.7

Great!Just needs an update for iOS 16…. Keeps crashing on my phone.Version: 5.9.8

It’s good.I like the simplicity of navigating through the up. One swipe for everything and you’re there. However, I sadly can’t give this a 5 star rating, as much as I really want too. I just think it misses one important feature, and that’s tracking income, as in a feature where I can put my weekly/monthly income into the app then it recognises how much I should be saving and spending. ie. Budgeting But that’s my only issue..Version: 5.5

This is not a spread sheet!I love pennies. I like having somewhere to track my ‘envelope’ funds and see on-the-go how much I have spent (and what I have left). This is what pennies was made for. I think any type of budgeting has to be done consciously so yes you have to create individual budgets and yes you have to type in the numbers and yes you have to tell it the start and end date for your budgeting period. That’s the point. New feature please! I like the toggle between daily and monthly spend. I think the addition of weekly spend (particularly for things like groceries and pocket money) would be great..Version: 5.6.2

Rarely write reviews.I rarely write reviews, I think this might be my third one ever. But I love this software. It is absolutely perfect for my needs. I’ve been using it for quite a few years now. I like to keep my budget extremely simple, only two categories, non-variable expenses and variable expenses. And I like to track my budget by week rather than month. Pennies has been excellent for this. It has been a key part of moving my life from a life of debt to a life with enough extra funds to put a large chunk in savings in addition to doing a foreign vacation at least twice a year..Version: 5.9.7

THE best app for a budgetI've been using apps like this for the past several years, to ensure I don't spend more than I have each week. I've probably downloaded 20+ similar apps and paid for five. This is by far the best that I've found. It's dead simple. No useless categories. Set your budget at your desired interval. Enter your expenses manually, so that you're aware of your budget each and every time you buy something. The only thing that could be improved is to reduce the taps required to enter an expense amount. Right now you have to click the New Entry button, and click the Expense/Income button. These could be displayed simultaneously to reduce the taps. Also, cents don't really matter (at least for me, I just round up for each entry) so it would be even faster to have only full dollar amounts, which further speeds up entry by not having to click 00 for each entry..Version: 5.9.7

Best budget app!This app has transformed me from a person with 0 savings living pay check to pay check to someone who has money saved in particular budgets for different occasions (emergency fund, house, travel etc). Incredibly easy to use! Also, as someone who travels a lot I love that you can have budgets with different currencies. Could not recommend this app enough..Version: 5.9.7

Simple and effectiveI use this app for a few types of spending that I need to be strict with; coffee, work lunches etc. The app is laid out beautifully and is a breeze yo use. The only thing I would add is the ability omit a certain amount of days from a budget when calculating the daily limit. For example; I like to use the daily view for my work lunches to know how much I can spend, however I do not use it at the weekend so technically I could have more for each work day..Version: 5.9.7

FantasticLove this app Had some issues (possibly corrupt data) and received fantastic personal customer service. Issue resolved!.Version: 5.3

Great budgeting appOverall all the app is excellent, keeping in mind what it was designed for. To be an elegant, simple & easy to use budgeting tool! Love the overall design of this app. I’m giving it a 4/5, as it’s missing some key items to make this my default budgeting tool. I wish I could add reoccurring transactions without having to manually populate them every month and wish I could share the budget with my spouse.. My spouse loves how easy this app is use and how genuinely beautiful it is but without family sharing/syncing we have to pass... I’ll keep my eye on this one and will likely come back if those to features are added down the road. Amazing app and the Desginer has truly made budgeting a beautiful thing! This app just isn’t right for my family, right now..Version: 5.9.7

A keeper!This is a great app! Thoughtfully designed, slick user experience and very effective in helping me to budget. Highly reocmmended!.Version: 5.9.2

Simple and cleanI like that it’s simple and clean. Best budget app I’ve used so far. Can foresee that I will use this for a very long time. Plus no stupid monthly subscription costs that some other apps charge!.Version: 5.4

Life ChangingI had this app on my phone for a few years before finally using it. I was in debt at the time and struggling. Finally, I decided to face my problem and I started using this app. I sure wish I had started it sooner! It got me on track and allowed me to see where I was spending my money and made me think before spending when I needed to save. I have now been using it faithfully for 3 years and it has truly changed my life for the better. Everyone should use this app! It takes seconds to track and you’ll happily see your bank account balances go up when you stay within your budget..Version: 6.0.0

Best budgeting app ever 😍This app is four those who want to save money by budgeting, and not for having fancy statistics, whatsoever. It’s fast, so you’ll actually have that 1 sec to enter your spendings. I can only recommend it to fellow students and anyone on a tight budget. Worth every penny ☺️. Support is 1st class 👍🏻. (I’m using it on my iPad & iPhone).Version: 5.4

Great app with one complication (pun intended)I recently heard about this app from a friend and decided to give it a go. I must say, I’m impressed; it’s quite a powerful little app even though it’s simple and straightforward. The only problem I have is with the complication on the Apple Watch Series 4 — It isn’t available on the new Infograph and Infograph Modular watch faces, which are my go-to faces. It simply doesn’t show up on the list of options when choosing complications. A minor annoyance, but one that would go a long way toward my complete enjoyment of this app..Version: 5.7

MUST-HAVE Budgeting AppIf you want simple easy going budgeting, Pennies is perfect. None of the confusion of loads of features. I use this everyday. Keeps you aware of your spending. The 'Notes' feature is great and allows me to track what I spent on. None of the pie chart nonsense to waste time analysing though. Just scroll through..Version: 5.4

Great for over-spenders!I love that you can see how much allowance you have for each day, rather than looking at your pay in one big (spendable) block. Would be great to have an option for a recurring fortnightly budget, rather than just weekly and monthly, though?.Version: 1.1

Keep it simple stupidFinally got that yearly budget feature I’ve been dying for. I now put in half my salary as a main pot budget and it keeps me in line. The rest of the app is so user-friendly my 4 year old niece could use it. Nice work! :).Version: 5.7

Simplicity is it’s best feature!!!A great app, a few issues with iOS 14 with regards to the notification centre widget. (Any chance of getting a new iOS 14 Home Screen widget soon?) But overall what with Apple Watch/iPad support it’s a wonderful easy to use app & has really helped me budget without any bells or whistles like other budgeting apps. Great stuff!!!.Version: 5.9.7

I will use Pennies budgeting app for my lifetimeExcellent. Five star. Perfect. No regrets. Money well spent. Get it now! ;).Version: 5.3

The simplest & the bestI’ve used budgeting apps on my iPhone for years but after my last app was killed off for being 32bit I struggled to find a replacement. I tried a few “free” ones that either didn’t do what I wanted or wanted to do too much. I finally took the plunge & paid 3.99 for Pennies and quite honestly it’s THE BEST budgeting app I’ve ever used. Simple to set up, great interface, handy Apple Watch integration, excellent syncing. I could go on. I thought it was counter intuitive paying for a budgeting app but this will be the best £4 you spend this year. Excellent work team!.Version: 5.5

Simple tracking appSimple, easy to set up and use tracking app. I use it to keep track of my cash flow/spending for my cash only budgets and it has been a great addition to my budgeting system. Would definitely recommend..Version: 5.3

It does what it says, simple budgetingI have been using this app nearly a month now. Initially I was very impressed with the idea of simplicity in executing basic income and daily spending. But soon I realised, it was all it did, only a list of entries. It doesn’t process items in any other way. Grouping is less than useful unless you find a way to classify items such as regular outgoings. This app has a very limited functionality. I’m also disappointed with its failure to share when you export your budget. It constantly crashes. It needs a bit more work..Version: 5.5

Perfect Budgeting AppMy husband and I love this app. We use it weekly to budget our finances. Please keep this app going and thank you! One thing that would be great if it could sync between different phones. So my husband and I wouldn’t have to update each other’s apps individually. Maybe it already does this and if it does I would love to learn how to use this feature. I hope this app stays in use cause it’s a lifesaver..Version: 5.8

Sinple and straight forwardBeen looking for something simple and clean to use. Though there can be a few extra features, it is too great out of the! Some crappy budgeting apps charge a monthly fee when all they are are confusing, over frilled and lacking the basic budgeting features such as being able to creating multiple budgets with DIFFERENT Reoccurrence dates and start dates. This app wins and it doesn't ask for a silly monthly subscription..Version: 5.9.1

The easiest budgeting appI’ve tried Mint and other apps that connect to a bank account, but none of them are really good at discerning types of purchases right away so that they go under the right category. ex: buying gas (fuel fund) vs getting a snack at the gas station (grocery fund) would still go under transportation expenses in an app like that. I like its simplistic, easy to use interface and its great for keeping track of both cash and money in an account. If you spend under your budget every week, you can’t lose :).Version: 5.6.2

AmazingReally helped me manage my budget.Version: 4.1.1

Perfect againUpdate fixed problem with app freezing and crashing. I have been using Pennies for years now and class it as one of my essential apps. I’d recommend pennies to anyone who wants to keep track of their spending..Version: 5.8

Does exactly what it needs to do. No fluffThanks.Version: 6.0.0

Great app. Even better developer supportDoes what it says and the developer is great in rolling out updates to fix issues or to respond to user requests. Invaluable in helping me manage my expenditure..Version: 5.9.8

DecentI’ve not used this app in a couple of years, so decided to come back to it. Really surprised to find there’s still not a view to see remaining funds for the week. e.g. I don’t eat out daily, maybe once a week. This makes it not very fun to see you’ve “overspent” for the day, when the daily “eating out” budget is lower than the cost than your bill will ever be..Version: 5.9.3

Pennies Privacy ConcernHi. I love your app Pennies and it really helps me keep track of my spending. I do have a privacy concern, however, that when I put Pennies as a Complication on my Apple Watch, I like it to be in the middle where I can see my money at a glance. The problem is that when the watch is taken off, the entire thing locks but the money still shows. This is a problem because if someone steals my watch, they would know how much money is on me and that would be a problem. Is there a way I can set it so that the money hides when I take off the watch? By the way, the Complication I’m most interested in that I’m talking about is the one that say “Today” and “Period.” It would be great if I could use that safely, again. In the meantime, I’m using a smaller Complication that does in fact lock when I take off the watch..Version: 5.4

Good appThis app is great but when creating a budget and you want to start at zero, it becomes quite annoying because it has to be at least 1¢ and manually “spending” 1¢ each budget is tedious and causes inaccuracies..Version: 5.7

It's okNot worth a purchase, but I'm glad I have it, easy and comfy to use.Version: 1.1

Great appThis is exactly what I was looking for to manage my personal spending and housekeeping budgets. So simple yet very effective for keeping an eye on how certain purchases can eat into my monthly budget. Delighted with this app!.Version: 6.0.0

Series 4 infograph complication updateGreat app—I’ve been using it for years. It’s the only financial app that’s quick enough and requires lightweight interaction. My only issue is that the complication hasn’t been updated to work on the Infograph watch faces on the series 4. Please update the complication, as the watch face I use constantly is infograph modular and not being able to use this complication is a big deal..Version: 5.7

FrictionlessGreat app..Version: 4.1.1

New update is fixed for iPhone 5s!Wow! These folks are great! I complained about the latest update crashing my Pennies in my iPhone 5s and in 24 hours they had the bug fixed and I’m happy as a bug stuck in a rug!! I’ve used the Pennies App for over three years I love the program! When it crashed I was heartbroken; but these folks came through and fixed it! This is an excellent program, it’s awesome. Since I’ve been using pennies I have not bounced a check or overdrawn any one of my accounts! Thank you!.Version: 5.9.5

So easyI can now track what I’m spending and plan. Great tool. So easy to use.Version: 5.9.7

The perfect finance management app!I’ve used a lot of different money managing apps, I love the simplicity, effectiveness and usability of the app! Sent as a gift to sooo many friends, I just love it!.Version: 5.9.7

Great Tracker for all expensesGreat for keeping track of your expenses when you are on a budget. Great in allowing you to input on the go. Also it allowing you to put in items retroactively is great if you were slow to build a Budget in the first place..Version: 5.9.8

Simple and incredibly usefulLike most people living through a cost of living crisis I am having to be a lot more budget conscious, so having an app like this is incredibly useful. I particularly like the Apple Watch interface. I have noticed recently however that some of my entries appear to have been automatically deleted, resulting in there appearing to be more money at the end of the month. Hopefully this is a bug the developer can address..Version: 5.9.8

How to change your life!I rely so much on pennies! 2 years ago, on the 1st of January I realised I had literally £0 left in my bank accounts after the winter holidays, even though I was earning good money. That’s when I decided to start budgeting and discovered pennies. Now I have a good £20K at the bank, and it keeps on growing! So really thank you for the app and keep up the good work..Version: 5.8

Simple to track in real timeEasy to use if you just want to track your spending on real time..Version: 5.9.7

Best way to manage budgetI’ve tried a couple of different apps to keep track of my budget and this is definitely the easiest to use and set up. I use it to manage ah-hoc spending, gives me a total left till payday and daily allowance, works well for me, I definitely spend less because with don’t want to overspend each day..Version: 5.9.7

Great app!I like it because we can also indicate the time we bought something at whatever store we went to. It is great for contact tracing during this pandemic!.Version: 5.9.7

Best spend tracking appReally love this app! Love that I can set individual budgets and manually track my spending. Would love to have an iPhone widget so I can see my budgets at a glance. Please add this!.Version: 5.9.8

Good appDoes all it’s meant to as advertised. No crashing or anything. Def recommend. Wouid be 5 star if you could edit / adjust a budget once set so you can spend less - but you need to create a whole new one.Version: 5.9.7

Great appGot this to try and sort out my finances, it’s so simple to use and really helps me to keep on track with my spending. I have the app on my Apple Watch and that is just a godsend saves me forgetting or thinking I’ll do it later if my phone is in my bag etc. Can’t fault it. I’m hopeful to be back on track real soon.Version: 5.9.8

Finally found a way to start savingTried a few of these spending tracking apps. This has been the one that has been so easy that I’ve been able to keep it up for over a year. Before I could not find the extra to put into savings even though I knew I had extra $. Since I’ve started using it I’ve not missed my savings goal at all. So blessed to have this app!!! This one is so simple to use that keeping it updated is doable so much more than the other apps I tried..Version: 5.9.8

Clean and simple, but with finicky controlsThe app is slick and looks great. It’s easy to use and only gets easier the more you use it. The only gripe I have with it is how finicky and hard it is to swipe on the main screen. Swiping right or left both have the function of switching through your budgets, or if you start your swipe closer to the edge of the phone it’ll go to all your budgets or your expenses. It’s a little hard to operate. Other than that, it’s really clean and simple. One thing to note is that it does not link to you bank account and automatically track your expenses. However, I prefer this more because automated expense tracking often messes up or categorizes incorrectly. That’s just something to keep in mind..Version: 5.9.1

LOVE!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!.Version: 5.5

Great App!Works as advertised! 😀.Version: 5.9.7

Exactly what I neededI love the simplicity of this app (basically the envelope budgeting system) with a few enhancements, including notices for spending my money too quickly and the amount left for the day/month/etc. Completely recommend..Version: 5.9.8

Ahead of the RestThe app is so clean and simple to use and doesn’t try to do absolutely everything that other apps do [poorly], which makes this a standout. I’m so happy that some of the bugs that used to slow the app down were found and fixed. It’s back to being as fast and responsive as it was on day one of use. I would love to see the ability to select budgets to share with a partner. I feel that this is something that no app does well at the moment and I think that the Pennies developer would do it in a really user friendly way. This app is a must have!!!.Version: 5.9.3

Great app by a great guy :-)I’m an avid overspender and Pennies has massively helped me come face to face with my spending habits, and is motivating me to stay on top of things and make progress towards changing my financial circumstances. I would absolutely recommend this app to anyone who feel like they need to get a better grip on their spending too. The way I use it, I’ve calculated my monthly income and all my fixed monthly expenses (reoccurring bills, mainly) and then put the rest into different spending budgets - food & household, hobbies & leisure, fuel, etc. And simply adding the expense as and when it happens, or a few days later by saving receipts and/or going through my banking app.. it makes me feel in control of my situation rather than using automated or semi-automated apps like Yolt, etc. This is the only budgeting app that I’ve stuck with, and I’ve tried a truckload!!.Version: 5.7

Great app, minor bugThis is a great app, I use it daily and find it is very useful. Minor bug that is quite annoying- if you have the app open and then press your home button, and then return to the app, the app freezes and you will need to restart it..Version: 5.6.2

XiaotiepianI like it👏.Version: 5.9.7

Convenient, Easy, Reliable and SimpleWhat’s great about pennies is that unlike other apps you can pull out and see at a glance how much money you have left for the day/month in your budget/account. It is not a complicated comprehensive analysis of your finances. It is great for a spending account. I love how the app adapts your daily “allowance” based on your spending. The app is beautifully designed and is very pleasant to use. I would like to see an account sync version on the Mac with supported security. Sometimes I forget to enter my expenses so this sync feature would help correct my ways. For what the app set out to do the app has earned the 5 stars and has earned it in a beautiful way..Version: 5.9.7

Much improvedRevising my review from a few years ago- app is much improved. General bug fixes and improvements mean I can really rely on this app now, which is great! Well done on the improvements. It’s such a life changer to not have to mentally calculate if you can afford something- just look at your phone! Or Watch! Still a few gripes here and there: specifically the entry input screen has all the important buttons spread out too far, which can make it a bit of a chore especially on a larger screen device..Version: 5.7

Clean and simple!I love Pennies. Awesome app! Only thing that would make it perfect is if you could set reoccurring payments for things like bills. Other than that, its great!.Version: 5.9.8

What happened to the option to see total spending for the months across all categories?The interface used to show the total cumulative spending across all categories for the period? What happened to it? Otherwise great app.Version: 5.7

Charming and beautiful expense trackerI've loved using Pennies for a long time: it's very simple to understand, and the graphics, sounds, and use of gestures to navigate make it charming to use! The most recent update takes it from good to great. Very glad to finally have native support for larger iPhones and the iPad. It's really encouraging to see such great software on this platform from an independent developer. Keep up the good work!.Version: 4.0

Best App for tracking your moneyVery easy to record your expenses and review by monthly or category. You can set your budget and App shows the balance of your budget every time when you open..Version: 5.9.8

Best budget appBest budget app for me to keep track of spendings. Really hop the developer continues to upgrade and uplift the app!.Version: 5.9.8

Helps and works okStill testing it but it is helping well to budget. It’s easy to edit and this is useful as well. A pop up has become faulty recently asking for feedback where I’ve had to restart the app after clearing the cache/history 2-3 times. The daily amounts are confusing as I’ve chosen weekly budgets, and colours can’t be changed. I’ve found switching between spent and left frequently and maybe this could be combined. Everything else is good..Version: 5.9.7

Exactly what I wanted to budgetI have tried multiple apps, most of which connect to your bank account, to help create weekly budgets. The problem is I don’t want that much information I simply wanted to give myself a budget of “x” amount of dollars for each category and this works PERFECTLY for that. I also love that I can use my Apple Watch to plug in my purchases on the go. Has really helped me!.Version: 5.9.1

Great little AppGreat app. I use it everyday to track my spending and to keep my finances in check. The recent update has made it even easier to use and manage my money. I've used several spending/budgeting apps and this is by far my favourite. Simple, easy to use and does exactly what I need..Version: 4.0.2

Pennies best!Easy to use and understand. If you're always blowing the budget, then pennies is for you!.Version: 5.9.1

Great app, I wish it was possible to share budgetsThis is exactly what I need to keep track of my budgets as I spend. The only thing preventing me from using it is that I can’t share budgets with my wife. This app would be incredible if the two of us could have the same budgets shared between our iCloud accounts. An example is, if I spend money I want my wife to see the budget in that category change..Version: 5.9.7

Money saverThis app has helped me save over 500 since I bought it, bringing it up on the Apple Watch is easy, and unlike other apps that require data entry, doing it from the watch is barely an inconvenience. The number layout on the watch could however better. Changing it to a regular number pad for UI would get this app 5 star..Version: 1.8

Finances sorted outAmazing app! This is the first time I try out a finance app and this app does everthing it says. The interface is very intuitive and easy to use, for example you can make separate budgets and add every single expense very easily in every major currenxcy. I definetly recommend it!.Version: 5.5

Most amazing budgeting appUPDATE: After using this app for 10 months it has become incredibly unstable. I suspect it could be due to the app not handling it very well when your accounts have too much historical data. It could also be the result of a recent update? Dunno. It’s pretty disappointing. I’m going to export my data and reset the app. Original review: I love this app because I can allocate a budget for various spending categories and have it reset or rollover every week. IT. JUST. WORKS. No matter how you like to organize your money, this app is versatile enough to fit your style..Version: 5.7

Much improvedThe horrendous performance and synch problems of a few years ago seem to be firmly in the past now (although I eventually had to delete all my previous entries and start again from scratch to get the app to function again even after the bug fixes went in as my existing data seemed to have been irreparably corrupted somehow which was a little annoying) but I’ve had no trace of a problem with the old creeping slowdown horrors since. I can recommend the app almost unreservedly now and am glad I didn’t abandon it completely as I almost did, with the only real proviso being that it would be nice to be able to create my own permanent categories without, for example, having to type out “Groceries” or “Parking” manually every time I buy same..Version: 5.9.8

Great App So Far, Want GraphsThis app has been a great use so far, and it’s nice to see which “envelopes” are nearing their end and which ones are still full with money. Being able to transfer money from one budget to another is really nice too. For the price, this app is great. One thing I would like to see is graphs. I’m a visual person and as much as I enjoy the minimalistic look of this app, the list of transactions can only go so far for me. I would love to see graphs (bar, line, etc) of my spending and transfer habits, as I love to look at the impact of my expenses and spending habits over time..Version: 5.9.3

Simple and Superior Budget AppI use Mint to keep track of my finances; it has a built-in budget generator and links with my bank account for constant updates. However powerful it may be, the app is extremely dense. It takes time to load and time to navigate to the budgeting section. Even then, the interface is crowded for the amount of information it tries to display! Pennies is ONLY a budgeting app. It JUST does budgets, but it does them flawlessly. It loads almost instantly on my iPhone, and the interface couldn't be easier or more pleasant to use. No, it doesn't link with my bank account. I view that as a strength. Pennies cuts away an extra layer of complication and vulnerable security. And by requiring that I manually enter my purchases, it makes me really think more about my spending habits. All in all, a stellar budgeting app..Version: 5.9.7

Great appAfter downloading finance apps that I payed for which were hard to figure out. I came across this app for free. So I went with it. This app is logical and simple to use. It was just want I am looking for. You can put different accounts in, set an amount for each account monthly or weekly. Add and subtract your spending. Also in the setting they give you the choice of paying for the app by giving the developers a tip. I was so struck by this I give $2.99. I wish all app would give you a choice to tip or not. I think they would make more money on there apps. Great job developers. I will use this app for years..Version: 5.6.2

BrilliantBrilliant budgeting app simple and easy to use. Needs to be developed to contain widgets. This feature would revolutionise things, it’s annoying not being able to see info at a glance and having to open the app every time. Other than that brilliant app really making a difference in my everyday expense tracking..Version: 5.9.7

Simple, yet effective!Love this app. Been using for over a year now. It’s pretty simple, but can keep you on track!.Version: 5.7

Simple but handyI like the look and feel overall, and it's nice having something so simple. It's perfect for making sure you spend less than you earn, and it makes it easy to see how all those little purchases add up..Version: 5.9.7

Great!This app is perfect for tracking my daily spending. It does not offer the advanced features that some people may seek but it is perfect for those people like me with simple spending habits. I am mainly using it to make sure I do not go over a certain amount each month so that I can ensure the credit card gets paid off. This app works perfectly for that!.Version: 5.9.8

Useful ToolThis app really saved us when we went on our 5 week road trip. I definitely recommend this app. The only reason I haven’t given it full marks is because I need my husband to be able to use the same budgets on his phone too, and for any expenses made by either of us to be updated in real-time. I feel like this budget is just a step away from being perfect, it just needs a function for multiple users on one budget in my opinion..Version: 5.5

Great app that respects your privacy and securityThe app does not link to your bank account because it respects your privacy and security. And that is wonderful. I appreciate that the app is FREE and asks for a donation unobtrusively, no nagging, no adverts. Brilliant. I think it’s a useful and well-designed app. Well done to the team behind it..Version: 5.9.3

The budgeting software for the real worldI was always one to manage the budget by what my bank balance said. WRONG, I was. Pennies allows me to actually set aside money for paying bills, savings goals and the like. It does this all while having a clean, modern look on iOS and the Apple Watch. It's my daily go-to now, for "can I afford this right now?" Thanks, Pennies!.Version: 5.9.3

PerfectPerfectly simple, beautiful, and functional.Version: 5.9.7

My go-to budget toolHow much can you spend this week without affecting your long term goals? Now I know thanks to Pennies..Version: 5.9.7

Great Money TrackerLove this. Easy to use. Flexible. Would not be without it!.Version: 5.9.8

Simple to use and visually appealing.Does exactly what I need it to with no unnecessary extras..Version: 5.9.7

Amazing app, easy to use and very effectiveBeing a uni student I got this app before my semester started and I have really kept on top of what I’m spending. I wouldn’t have been as effective at budgeting without the app. Worth the money for definite, by working out how much you have daily is a massive help!.Version: 5.5

SlowUsed for a few months and was very pleased with it but it has become frustratingly slow over the last few weeks. Probably needs an update urgently to keep up with newer versions of iOS. Update: Thank you to the developer for the update. It's working smoothly and quickly now. Highly recommended..Version: 5.6.2

Perfect for Expense TrackingI have been using Pennies for about a year and I think it is great expense tracking tool for people on both end of the financial spectrum. A person just trying to get handle on their spending and develop some basic budgeting skills, will appreciate how easy it is to keep track of spending. I'm on the other end of the spectrum with a good handle on spending and managing my finances. I appreciate that I don't have to enter all my accounts and credit cards like on some other apps. I manage all of that just fine. I just want to see when I go over budget and track spending trends. Successful budgeting requires tracking spending as we all know, this app is great for just that, and it does it very well..Version: 5.4

Love This AppI have been using this app for about a year now after trying MANY different saving apps. The thing I love about this one is the flexibility it offers because you can create your own categories and budgets for each one. Many of the other apps I tried automatically put your charges in categories and they would often be incorrect. This app requires more manual labor because you have to physically enter your purchases, but I actually think that’s a good thing because you consciously think about how much you are spending. Love the simplicity of the design too!.Version: 5.5

Pretty good butI can see that a lot of the bugs are fixed even for Apple watch. I like that. The only thing that this app needs now is to have ‘fortnightly’ as an option since most people get paid fortnightly..Version: 5.9.7

Been a staple for a long timeThis is one of those apps I’ve had on my phone for a long time. I use it on and off. But always a helpful app when I need to get back on track with my excess spending. Devs… two comments. I would really like to see usage of the new widgets! And most of all, in the widget I’d like the option to see how much I’ve spent in period and for today. It just seems to work better for me than how much is left..Version: 5.9.8

Best budgeting app!I've been using this app for years now. It's so easy and once you're in the habit of inputting all your transactions it becomes your best friend. I use this for day-to-day use as well as when I have separate budgets for trips or events. I love that it splits up my budget everyday to tell me how much I can spend each day to make it last until my next paycheck. I highly recommend this app!.Version: 5.8

Simple and easyLove the simplicity of it and takes seconds to add. Once you get into the habit of adding it becomes second nature. I also find I spend wisely as I always want to have a bigger rollover than the month before.Version: 5.9.8

Does everything you'll needBeautiful looking application that'll make you conscious about what/how much you're spending. Has a small amount of features, but for most people like myself it's all you'll ever need..Version: 2.2

Keeps me accountableWhen I was looking for an app to help me stay on budget, I wanted something simple and easy to use. This delivered for sure. I liked not having to link my bank account to yet another app and it is so easy to set your own budgets and categorize your purchases (so you can see really how much coffee cost you this month). Because you need to track your own spending, you have to be honest with yourself on your costs. Keeps me accountable!.Version: 5.9.7

Good simple budgeting appI use this app to control budgets like monthly fuel expenses, holiday trips, etc. I found it to be pretty simple and straight forward to use. Specially because it’s quick. Right after pumping fuel or immediately after paying for a supper during a trip or at the desk of a hotel during check in you can quickly note the expense and move on without being on the phone too long. Note that for my usage I don’t need a lot of details..Version: 5.9.6

People, read the description before you useI’ll admit, when I first downloaded this app about a year ago, I didn’t understand it at all. Why couldn’t I link accounts/add recurring expenses etc.? I just downloaded it again and as the app says, “this app is for tracking the money you have left to spend AFTER all your bills are paid”. I love reading the comments from angry people that are confused about this and say the app is useless. I love this app so far! It’s really helping me get ahold of my impulse purchasing that adds up..Version: 5.5

Simplicity is the Ultimate Sophistication.Well written app by a great indie developer, Pennies hits all the key requirements without any of the unnecessary fluff. Support for budget rollover means you can use traditional envelope method and keeps your overall budget on track! awesome! Wish it connected to my bank, but besides that this app is a gem 💎..Version: 5.7

Exactly what I needI’m in grad school and on a super tight budget. Pennies lets me make budgets that are easy to keep up with and even easier adjust when I need to. I have a weekly budget that I use for food and rent, and any left over money rolls over perfectly to the next week. I also have a one-off budget that contains my life savings (it’s not high). It’s nice to see where I am, and I can easily add money or take it out when I need to. Sure, I could look at my bank account for the totals, but it’s nice to have pennies so easily accessible..Version: 5.9.3

EasyReally easy to use. If you need to made amendments or remove/add budgets you can without it affecting everything. Other apps I’ve used have been really difficult to be flexible with, this is by far the best I’ve used..Version: 5.9.7

Great simple to use appI have a budget where I live on a weekly allowance. It was so hard to find an app that would work well with a weekly budget instead of a monthly one. This one works perfectly for me. It is simple to use, fast, looks slick, handles recurring income or expenses, handles several budgets (we have one for the family and one just for me), it doesn't connect to my bank account or anything else which is great, it tells me how many days are left in the week which is a nice reminder, it keeps a history of everything I've spent, it didn't need me to create categories or anything like that to get started, I like just being able to put in an expense and a short description and be done. Super simple, super effective, and it looks great..Version: 5.7

Updated to 5 stars4 weekly option now added! Perfect app!! I get paid every 4 weeks so 13 times a year and was wondering if you could include 4 a weekly budget option as well. Otherwise I love the app, so clear and easy to use!.Version: 5.9.8

Simple and CleanPennies helps me organize me budgeting in a very simple format- a very good looking one too..Version: 5.6.2

Chasbo36Very useful on vacation trips. I really like this app!.Version: 5.3

Awesome AppThis app was exactly what I was looking for, I could t find it because I was searching “budget app”, this app came up when searching “expenses”. Anyway, totally worth my $3.99. Great functions and I love how it eliminates all the useless clutter. One constructive criticism: when inputting an expense, after inputting a note, it would make it easier if I didn’t have to press the check to finalize the input. But I can live with it. Thank you very much for making this app so easy to use!!!.Version: 5.9.3

Fantastic Little Budget TrackerUsed it on and off for years now. Wonderfully simple, affordable, and attractive..Version: 5.9.7

Simple and EffectiveI already track all our expenses using Quicken. What I'm looking for is a simple, visually appealing, easy to use app to track how I'm doing in a few specific categories each month. That's something that's too cumbersome on a computer, especially when you're out and about. How much do I have left this month to go out to eat when I'm standing right in front of a restaurant? Check Pennies and boom! Decision made! I contacted the developer and he said that the ability to sync with someone else on different iCloud account is coming soon. That would make this great app perfect. Now my wife and I can be on the same page all the time with our budget!.Version: 5.7

Almost perfect. One small request ;)Love it. Clean, easy to use. I only wish on my monthly budget when I spend something it tells me what I have left for that week as opposed “today” as it does now. Maybe a setting to choose preference between “today”, “this week” on budgets longer than a week? Would be perfect as I rarely use “left today” but would really benefit seeing “left this week” in place..Version: 5.5

Great appThis is a great little budgeting app. Nothing complicated; just basic envelope budgetting for a few categories. We've switched to this for our day-to-day budgeting because the big options of YNAB and the like were just too involved, so we didn't use them. If you don't need to track everything, but just need to limit spending in the categories that matter, this is a great way to do it..Version: 5.3

This app has been a game changer!Love this app! It really has helped my wife and I stick to a budget - something we’d tried several times to do previously, but without much success. The ease of the app has made living on a budget feel genuinely manageable. Some of my favourite features: the flexibility it offers in the budget set up; the fact that you can easily move money between budgets; the clear visual tracking indicators that show how much time / money you have left; and the fact that my wife and I are able to sync our budgets between our two phones. It literally does everything I’d want an app of this nature to do. Can’t recommend it enough!!.Version: 5.9.3

Great startAlthough I’ve only been using the app for 1 day, I’m very happy with it. It is very simple to use and does what I expected..Version: 5.9.3

Finally!This is the literal only app that I can find that doesn’t cause me to break my budget to have to pay for it and offers custom timelines for you budget!! My husband and I get paid every two weeks but it’s not always on the same day and we are not salary workers so it’s not the same every month. It’s super helpful for me to budget from paycheck to paycheck so I know how much we have left over for fun things instead of unknowingly allowing a random amount of money to a trillion categories. I only gave 4 stars because there is no way for my husband to login to the same account so that we can both see the same budget. That would be the only thing that is a little inconvenient..Version: 5.9.7

Changed my life for the betterThis app is absolutely fantastic. It has changed my life for the better and has made me much more aware of my expenses and how careful I am with my money. The app has a simple and beautiful design and everything is clear and works great. I especially love how I am able to see how much money I have left in the month and what I can spend each day to stick to my monthly Budget. Absolutely genius.Version: 5.6.2

Too simpleThe ability to add a few words description to each expenditure would make this app so much better..Version: 1.3

Clean, Simple, EffectivePennies is a great app for helping me control my impulse spending. The app is simple to use, and simple to interact with. There are no menus to dig through to find the appropriate budget line to then add an entry to. It’s a joy to use, so I keep using it! The pleasing little sounds make record-keeping fun. The expense entry is simple: tap twice, type the number, done. You can choose to categorise the spend on the spot, or come back later to tidy things up (such as “I actually spent this money yesterday”). Swiping up/down switches between “left this budget period” and “left today”. Swiping left/right is switches between budgets (e.g.: “Pocket money”, “petrol money”). Budgets can be set up with weekly, fortnightly or monthly recurring periods..Version: 2.1

Happy customerGreat so far.Version: 5.9.7

Great feature set, but increasingly flaky over timeThe iPad and Mac apps are extremely flaky and slow, and sync on any of the devices have taken a serious drop in speed/quality in the past few months. I used to think of this as a 5-star application but am now looking for alternatives. That said, I am a fan of the rollover budget options and simple entry. It’s a quick and easy way to keep simple budgets..Version: 5.9.8

Excellent!Great App, has really helped me keep track of expenses. Would definitely recommend it!.Version: 5.4

Can’t recommend enough.This simple app turned my savings around. It’s fantastic and having it on my watch as well as my phone is great. I’ve recommended it to a few friends, it has worked for them too. The only one it didn’t was one who got annoyed when it told him he had no money left halfway through the month. Set a realistic amount and stick to it. The straightforward colouring makes it easy to stay on track 🙂.Version: 5.9.7

Good appI particularly like the video game sounds option..Version: 5.9.7

M JonesSimple easy to use, I set myself a weekly amount, if I don't spent the daily money figure grows, I am able at the end of the week to put a little aside for holidays and leaving a bit increases next weeks daily tally..Version: 5.9.8

GreatThis is a great app for keeping track off your spending. It is also on my watch which makes it even more convenient. It is so simple to use and fast to input your spend on the move. Would recommend it to any one wanting to keep track of there, weekly, monthly, yearly spending and keeping you in control of your finances..Version: 5.9.7

Gets you in control of personal financeI’ve been using the app for several years. After creating budgets for myself, this app has become the central space for tracking all my transactions. Simple and sleek design allows for a simple overview of where you’re at in your budgets. Has given me a great deal of peace of mind. 10/10 recommend.Version: 5.7

BEST!I've searched my whole financial life for this kind of ease! Thankyou....x.Version: 1.2

Perfect appI use this for my weekly budget - I use a different app for my overall budget. I’d found I would overspend on little expenses through the week and I realized I needed a way to track that separately. So, within my overall budget is a monthly line item for weekly expenses, which I then have turned into a weekly budget to use with Pennies. Doing it this way helps me keep a really solid handle on my “small” daily expenses and, in fact, has helped me cut back on them. Great app!.Version: 5.5

Simple et efficaceAprès avoir essayé plusieurs applications de budget, en voici enfin une qui, en plus d’être très efficace pour faire un suivi de ses dépenses, est d’une simplicité qui facilite le tout!.Version: 5.9.7

Easy to Use and saves me timeI have been using it for almost a year now. It is super easy to use and since starting with it my budget spreadsheet (I budget and track spending in Excel) is always accurate. Once a month or so I add my lump sum spending into my spreadsheet, knowing that I have entered almost all my expenses each day as I live my day- no time spent sorting through receipts in my purse!.Version: 5.3

I think latest update broke the appIt keeps crashing, when ever I’m adding a new budget..Version: 5.9.4

Simple, clean, and beginner-friendlyI downloaded Pennies to develop a manageable budget - keep in mind, this was my first ever crack at personal finance. I’d scoured the app store for a straightforward app that’d help me to do one thing: basic budgeting! I felt discouraged after installing app after app, each introducing concepts such as credit, debt, stocks, etc. I was so overwhelmed by the sheer breadth of financial terms that I felt like giving up entirely. Then came Pennies... It’s attractive and to the point interface helped me to develop a clearer understanding of my financial goals and general monetary standing. Uncomplicated and transparent! I’m pleased to report that in my 8 months of using this app, I’ve not once been sabotaged by an underlying subscription or nagging in-app charge. Grateful for this no-string attached service..Version: 5.9.4

Just paid for it!My message for the developers is that keep working on it and I will definitely donate for better changes!.Version: 6.0.0

Updated Review (5.8) - All is right!The app freezing issues I was facing with the previous version are all resolved now in version 5.8. This is really a great expenditure and budget tracking app on both iOS and Apple Watch. There might be more feature-packed apps out there in this category but this app is my go-to because it’s straightforward and intuitive..Version: 5.8

Best budget app for Apple WatchUse this excellent app daily. Snappy, easy to use and very useful for lots of different budget types. The only thing stopping me awarding 5 stars is the complications are not yet available on the Apple Watch 4 Infograph face, otherwise pretty much perfect for me..Version: 5.9.7

Getting thereThe app is really good, just needs a fortnightly budget option!.Version: 1.3

Great app, poor cloud syncThis app is fantastic overall. I use it on my phone and try to systematically add any spend as soon as I purchase something, which only takes 30 seconds or so to do. The visibility is also great. I would have given this review 5 stars if it wasn’t for the poor cloud sync. I have set it up 3 times now, and although it appears to work on both my iPhone and iPad for the first few days, it always eventually stops updating. This has been an issue for months now. I will happy increase my star rating once this function is fixed..Version: 5.9.3

AWESOME app for tracking spending categoriesI have tried a lot of different apps for tracking spending. I like the ones that take in your entire income amount and balance out your whole budget, but I just needed to track spending in certain categories where I have a lot of variable spending on my credit cards. This is great for that!! In addition, if you do have an entire income that needs to be budgeted, this would be a great tracker. Cheers!.Version: 5.7

Great AppIts simplicity is it strength. I’ve never been able to work out exactly what I spend on a monthly basis on the various things such as, food , beer, eating out, family costs etc but Pennies allows me to do this (and in a very simple way!) which has made my monthly budgeting much easier and helped me to work out that I spend far too much money on beer!.Version: 5.9.7

Love the simplicity and it has improved greatlyI tried this app years ago and loved it then. I had stopped using it though, because back then, it had several bugs that were frustrating. I’ve since re-adopted the app and it has been refined a lot since then. I’d highly recommend it for those that was a convenient budgeting app..Version: 5.9.8

The budgeting app for people who don’t budgetI’ve almost given up on budgeting. I’ve used almost every budgeting/money tracking app out there. This one is it guys. Trust me it works. On Pennies, I haven’t failed to log a transaction yet because it’s simple and easy to use. Best of all, there’s no subscription required..Version: 5.9.7

GreatWorth buying love the app. If you can just put simple pie chart and line chart it will be great. Still it is best app. Hope you never sell our Data and keep it private. Keep going..Version: 5.9.3

Great Money saving app if you lose track!Been waiting for this app since I can across it! Definitely needed something proper like this to help with budgets! Cos they can sometimes fall out of place and you can easily lose track, but with pennies, you can save every penny that you need ;) Just needs AUD input and other currencies :(.Version: 1.1

Keeps my budget in checkBeen using pennies for the past year and I love how simple and easy it is to track my expenses, with other apps I get overwhelmed with graphs so being able to just input how much money I have remaining after bills and just track my spending with the option to choose a spending category works better to keep me accountable. Hopefully they’ll add a widget app for the Home Screen!.Version: 5.9.8

Really useful app and simpleUnlike a lot of budgeting apps which I have found hard to get up and running pennies is really simple and easy to follow it is clear and gives you lots of opportunities to see where you are going wrong or where you are saving I wish you could put in your wages so you can track how you are spending to avoid overdraft maybe this can be included in future updates but I am really pleased and it is really helping me to manage my money better.Version: 5.9.3

So good!!I was on the hunt for a good simple app to track my spending and I found this perfect app. It’s so user friendly and it doesn’t ask for my bank info. The only thing I wish is to be able to make different categories of spendings on different products. For example, in the debit&credit app, it automatically list depending on specific products. Basically a way for you to see and determine which product you spend the most on, so that you can adjust your spendings on that specific products..Version: 5.9.7

The best budgeting app!Thank you! Thank you! Thank you! I've been searching high and low for a high quality budgeting app that works as a digital version of the age old envelope system. So many apps over complicate the process by connecting to bank accounts and automatically categorising your spending, etc. Thank you for creating something that is simple and useable. AND it works on the Apple Watch! I’ve already recommended the apps to friends and family!.Version: 5.6.2

Important part of my budgetingAs someone who historically has been super disorganized with my finances this app is a godsend. I use a couple of apps to get everything organized now and they all have their place. They are all great for future planning or looking at the past. The one thing that was missing was the immediate “can I afford this?” With pennies I know immediately what I can and can’t buy. It also has the flexibility of changing along wit my needs of large expenses come up. It’s just perfect. Emile, the developer, is also great at responding to queries and feedback. I couldn’t recommend this more..Version: 5.9.2

It’s getting there as budget trackerThis is a great solution for simple tracking of your budget and expenses. Easy to setup and use, the entry and viewing of purchases is very effective. Moving from one budget category to the next is quick, and the context of showing diminishing funds for each is excellent. There is also plenty of ways to set your categories to track (weekly, monthly, etc). Its biggest issue is the user experience such as having to repeat entry of custom notes (“takeout”) and lack of tagging (“family”, “work”). It’s also a bit buggy on Apple Watch..crashes a lot. Nonetheless, the simplicity and clean interface makes this a great app for the single task of tracking your expenses to a budget..Version: 5.7

Clean and simpleSuper neat interface !.Version: 6.0.0

Great App For Tracking BudgetsI have always been terrible at tracking my spending, but this app has changed that. It’s ease of use/custom budgets make it so easy to do, whether on my phone or Apple Watch. I will try out the Mac version too. I tried other budgeting apps like Mint, but felt they were too complex. This app makes budgeting very simple, and I will be using it for a long time!.Version: 5.9.8


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