PennyPlanGive every dollar a job.
PennyPlan is a zero-based budgeting app with widgets, Siri, sinking funds and insights — and all your data stays on your phone.
Everything you need to master your money
Zero-based budget
Plan every dollar of income down to zero. Progress bars, month paging and a hero card that tells you exactly what's left.
Track in seconds
Custom keypad, merchant suggestions, tags, receipt photos and an inbox for anything you haven't assigned yet — drag it onto a budget line.
Recurring & rollover
Rent, salary and subscriptions fill themselves in every month. Carry unspent money forward per line.
Sinking funds
Vacation, laptop, emergency fund — liquid-fill cards and big rings show how close you are.
Insights
Budget-health score, spending pace vs. plan, top merchants, 6-month trends and savings rate.
Private by design
Everything stays on your iPhone. Face ID lock, no account, no bank connection.
Questions
Do I need to connect my bank?
No. PennyPlan is built around manual entry (it takes three taps) plus recurring transactions, so you stay aware of every purchase. Nothing leaves your phone.
What does Pro add?
Unlimited budget groups and sinking funds, 6-month trends and savings rate, CSV export, and everything we add next. Yearly comes with a 7-day free trial.
Can I use it in Spanish?
Yes — the whole app is available in English and Spanish; switch anytime in Settings.