Amazing app and team 5/5
Not only is this app amazing and super helpful with tips and savings goals, their customer support is AMAZING.
I had a small issue, reached out to them, and was put in touch directly with one of their developers.
Shout out to Andrew @ Penny for the amazing service and app. 5/5!
I’m new to taking control of my finances in an organized way, so I’m not terribly interested in something that is tedious, time consuming and complicated. After trying other apps, specifically the every dollar Dave Ramsey app, I was ready to throw in the towel. Penny is simple and elegant. Definitely recommended.
Best in it's sector. 5/5
I have tried many of the apps out there for keeping track of my spending but, nothing as sophisticated as this app. Keeps me up to date with my spending, bills and any major financial news.
Great app! 5/5
Quirky and fun and really helps with my finances! This is the future of banking
Great app, but could have more information 4/5
I really like this app, especially the way it is conversational- but I wish there was a way to track cash spending and just have more information about finances in general. Other than that, I really like the using Penny.
Works for me 5/5
It’s helped me get a grasp on just what is going on with my account. It keeps me on badger and on track. Worth every penny.
Penny is wonderful 5/5
This is the best app I have used to manage my expenses. Super helpful features and no clutter.
Great app!! 5/5
Been looking for an app like this for a long time. Doesn't get to complicated or intricate. Has all the information you need to know. Really helps me budget my money and it's fun while doing so. 👍🏼
Great start as a financial service 5/5
I use penny regularly and it’s a much better financial tracker than most other services
It's impressive how well Penny keeps up with everything. If she gets something mislabeled, you just put it in the correct spot and she'll place it there every time after!
Very Neat Concept. I enjoy using this app.
Good so far! 5/5
Penny has opened my eyes to the little things I am spending money on. There are some glitches sometimes. For instance, I noticed duplicate charges from my CC account that she was adding into the equation. But you can manually check them out when you notice them. This is a good start in the budgeting journey and super easy to link up!
Handy and useful little app... 5/5
Gives a basic breakdown of financial stuff, spending, etc, with minimal effort; interesting chatbot-based interface.
It actually f---ing works 5/5
By Dr. Jones-Pants
An AI chat bot that helps you become conscious of your spending by chatting with you and notifying you occasionally. It's so unbelievably easy to use, and has done more to help me be aware of my monthly spending as I go than any other personal finance app I've tried (looking hard at you Mint).
Most personal finance / spending/tracking apps have too much information and not enough usefulness. Penny is the opposite. It gives you just the information about your money in and money out to know what to improve.
Try it once, and you'll know if it's right for you.
And weirdly, it really feels like you're talking to someone when you're chatting with Penny. Worth a download just for the strangeness of that experience.
Good tracker 4/5
By Soul at
Penny allows me to look at my spending more than I have before.
Getting my finances straight 5/5
Penny is awesome. Her tips make me think twice. Enjoying it so far.
Penny is a life saver. Money saver too. 5/5
Does EVERYTHING I need to help keep up with my finances.
Great app 5/5
By Dana Kaylynn
This is the best financial app I have had. Super simple and fun to use. Highly recommended
Worth it 5/5
Whether you pay for it or not. How simple it is to get account updates and track spending is so easy.
Love it 5/5
This app is helpful and I love how penny just says things that are jaw dropping
Missing one thing 4/5
Penny is a terrific app so far and what would make it five stars is if there was an "accounts over view" widget that would quickly show me my credit card/checking account delta without having to go into the app itself.
Forces you to link your bank accounts 1/5
I want to use an app that allows me to track how much I spend without it linking to my bank account to read my charges as they happen. That defeats the purpose .. for that I can use my bank's mobile app without having to give out access to my personal account to a third party app. No thanks!
Enjoy using it 5/5
I've been using Penny since the Equifax accident puts a trigger for me to regularly run through transactions from multiple credit cards. It's been one week chatting with Penny and so far so good. It could be better to allow for bill date change/ adjustment since some bill goes in earlier or later and affect total spending number. Also it would be great to allow for creating additional 1 or 2 categories for free version.
Penny, Where Have You Been! 5/5
Love this app! It's exactly what I wanted to help me keep tabs on my spending. Very smart and accurate when it comes to financial advice and recommendations that it's almost creepy how much it learns about my finances each day. I highly recommend Penny.
Great analysis but wish for more categories 4/5
Penny is such a great tool for analyzing my spending habit and summarize them in a second for me to understand. I just wish for more customized categories as not all expenses fit into a broad category.
Penny is smart AF 5/5
I was looking for a money app to track both my credit and debit card expenses, and this one does the job perfectly. It sums up your spendings from your credit and subtracts that from how much you have on your debit. Just what I was looking for! There are some improvements to be made, like setting aside a specific $ amount rather than choosing selected amounts from Penny. But I am so happy with the credit and debt management. Thank you!
Awesome app 5/5
Not complicated or difficult to use at all. It has really helped me to keep track of what time actually spending all my dang money on. A++
Love it so far! 5/5
By Andy Freshest
I just started about a week ago and already I'm more conscious about my spending. Penny has provided some good insights into my finances. I've used her prompts to analyze some things I've been wondering about. I'm about to head into financial uncertainty, so I hope to return later with more good things to say!
Love this app! 5/5
My husband and I love this app! It helps us realize what we spend our money on and also helps us better stay on budget.
It actually helps! 5/5
By Jeanette A.
I'm a college student that lives with my parents and had no idea why my bank account wouldn't grow until penny let me know that my dumba** spent $700 monthly on food. Fast food that is. I've had this app for three months already and have made changes in my spending based on this app and my account is finally growing. I highly recommend!
Love this APP! 5/5
Very cool 5/5
It's make my life easy !
Penny #1 5/5
This app is great for learning to save money and seeing your spending habits.
Very helpful to me, big eye opener on my spending habits! Thinking about purchasing the more complex version.
Great app.... 4/5
The app is super great and I love it, it keeps me on top of my money! The reason I gave it four stars and not five is because the categories are limited even as a paid member (which I am) I need a category for business items but it doesn't have that category so I have to lump it up under other which throws my balance off a bit but other than that it is a great app☺️
Honestly, the app is well organized. I do not have hard time with the app. I enjoy how everything is broke down into categories. And to save money.
So helpful 5/5
Really helps me manage my finances. Love this app, super easy to use
WHAT I ALWAYS WANTED - but didn't know I could get 5/5
By Mr M- to you
This app - is pure amazingness - full of useful information- keeping you on your toes with all your transactions- absolutely love it
Looove it. It categorizes my expenses n gives me an idea on what I spend daily n compares my spending to previous months. Also helped me to save some bucks by creating goals in app 👍🏿👍🏿
Great app, but unable to use due to no compatibility with Schools First FCU 1/5
As stated in the title, I do enjoy the unique UI of the app, but like most apps similar to this, not being compatible with my particular credit union sadly deems it useless. Hopefully they'll support it soon.
Eye Opener!! 5/5
So, you think you have it all figured out?? I did!! That was until I met Penny!! She's truly changed my ways of spending so carelessly & has shown me how often I've been doing so.
Upgrading to Penny + was an added bonus as now I can see itemized where I can afford to think twice about certain purchases. I've suggested Penny to my family & friends so they too can see what a great "useful " app this really is!!
Co founder Alex has been super helpful in showing me how customer service (via email) is still a priority!!
For that reason I am Penny + member !!
Thank you guys!!
Wish my parents had this when I was a kid 4/5
I was never taught to budget let alone how. Thank you Penny! Our conversations flow as if we were long time friends. Your information is beneficial and appreciated.
Penny is awesome 5/5
Penny is a great app, very personal but great service. I recommend it to those looking to keep track of spending and looking to save some $$. Only down side is that you have to give permission and access to all of your accounts for more accuracy.
Much Love 5/5
This app lets keeps you notified of your spending trends and habits. Penny is a very helpful app. RECOMMENDED!
Great App 5/5
I love this app. I am seriously thinking about upgrading to the pro version.
Not what I expected 1/5
You link your bank account with passwords and verification codes. Seems a little sketch knowing about data breaches everywhere. Having all bank info in one hub is scary. The charts shown hanve to go through a "chat" with a bit named penny. I wanted an app with charts and not have to talk to a bot.
Really Cool App 5/5
By Buckeye Bull
I downloaded this App and figured it would be a typical click bait, where they show you what it can do but then ask for money. I was wrong! This is a really clever app and extremely helpful in understanding how you spend your money - broken down by categories/high spending days/advice to save based on your personal spending.
Highly recommend you check out this App, it's like texting your own personal banker anytime you want.
Very helpful with showing me every detail of what I spend on what and how I can budget my spending, gives me advice on everything financial wise 👍🏻👍🏻👍🏻 very recommended it's helped me organize my spending and budget and save money
BUDGET HELP! 5/5
Helps me keep track of my spending and lets me set goals! It tells me everything about my spending habits
Penny is so nice! 4/5
By Princess Pa Pa
I like the simple set up and the layout of purchases. There isn't a lot you can do on the app, but I do love the budget setting option and the challenges Penny gives you! Great app, highly recommend!