Your finances,
finally clear.
PennyWise keeps your money organized — funds, expenses, debts, goals, and bank sync — all stored privately on your device. No subscriptions. No cloud accounts.
Total Portfolio
83K USD
↗ +18K USD (+27.7%)
Distribution
Good morning
Thursday, May 21
Total balance
-1,748 UAH
Net worth
173.6K USD
● Income
0
● Expenses
1,748
Everything you need.
Nothing you don't.
Built for people who want clarity over complexity. PennyWise covers every dimension of personal finance in one focused app.
Fund Management
Organize money into named funds — Daily, Savings, Emergency. Assign expense categories to funds and watch balances update automatically.
Expense Tracking
Log income and expenses with categories, subcategories, and spending limits. Get notified at 80% and 100% of any budget.
Multi-Currency
Track balances in any currency. Live exchange rates convert everything to your base currency so you see one coherent picture.
Monobank Sync
Connect your Monobank account and transactions import automatically. Your API token lives in iOS Keychain — it never leaves your device.
Goals
Set financial goals and track progress with visual arc charts. Link transactions to goals and see projected completion dates.
Debt Tracking
Track money you lent or borrowed. Record interest rates, see accrued interest over time, and settle debts with a single tap.
Assets
Log real estate, vehicles, and investments. Track market value changes and include assets in your total net worth.
Recurring Transactions
Set up subscriptions, rent, or salary as recurring rules. PennyWise applies them automatically on each scheduled date.
Private by Default
All data is stored on your device using Core Data. No account required. No data ever leaves your phone unless you choose to sync.
Take control.
Start for free.
No account. No subscription. Everything stays on your device. Download PennyWise and have clarity in minutes.
Free · No account required · Private by default