PennyFi for iPhone, iPad & Mac • Built with SwiftUI

PennyFi keeps every account, budget, and investment in one private, local‑first hub.

Track multiple accounts, plan budgets, and monitor investments with advanced analytics that stay on your device. Optional iCloud sync keeps PennyFi aligned across iPhone, iPad, and Mac, while privacy‑first architecture ensures you stay in control.

Download on the App Store See features

Local‑first storage

Your data lives on device by default

Optional iCloud sync

Stay in sync across iPhone, iPad, and Mac

Privacy‑first architecture

No ad tracking. No data resale.

iPad accounts

iPhone overview

Mac analytics

Fully visible on every device Multi‑device experience

Features

PennyFi shows every moving piece of your money

From daily spending to long-term investing, PennyFi keeps your full financial picture organized and always in reach.

Private by default • No ads • Bank-grade security

Home Dashboard

See cash on hand, net worth, monthly cash flow, top expenses, recent transactions, investments, and a financial health score at a glance.

Accounts control

Track 12 account types across 4 categories with credit utilization bars, overdraft flags, loan rates, savings APY, swipe actions, and drag-to-reorder.

Investments overview

Monitor stocks, crypto via real-time pricing sources, and manual assets with allocation charts, gain/loss, performance history, valuation tracking, and multi-currency conversion.

Budget planning

Plan month-by-month with budget vs. actual, rollover categories, Move Money, flexible recurring schedules with due generation, and hierarchical categories across 14 parents and 60+ subcategories.

Reflect analytics

Explore any time range with cash flow charts, spending breakdowns, a Sankey diagram, trends, and rule-driven automation with matching operators and auto-assign actions.

Transaction management

Manage payees with alias matching and merging, import PDF/CSV/TSV/TXT files, export data or encrypted JSON backups, and personalize with 5 themes, 16 currencies, widgets, app lock, accessibility, and 28+ languages.

Complete personal finance, beautifully organized

PennyFi brings your money life into one clear, private view.

PennyFi is a comprehensive personal finance app for iPhone, iPad, and Mac, built with SwiftUI and local‑first SwiftData storage. Track multiple accounts, budgets, and investments in one place, with analytics that surface real spending patterns and net‑worth movement.

Stay consistent with recurring transactions, trusted categories, and payees, plus flexible transaction rules that clean up your ledger automatically. Import and export data whenever you need it, pick themes and currencies that fit your workflow, and use widgets for fast checks at a glance.

Privacy is foundational: encrypted backups, biometric app lock, and optional iCloud sync keep your data safe while staying in your control. PennyFi also supports accessibility features and 28+ localizations, with real‑time pricing sources for investments to keep your view current.

All accounts, one dashboard

Track cash, cards, loans, and investments together for a real-time picture of your finances.

Private by design

Local-first storage with optional iCloud sync keeps your data in your control.

Smart analytics

See trends instantly

Clear charts and summaries make insights easy to act on.

Custom views

Build your flow

Tailor categories, dashboards, and goals to fit your routine.

Built-in clarity, not inflated claims

Feature highlights that show how the app structures your finances

These product numbers come from the app itself—clearer categories, richer insights, and a consistent health score you can trust.

Feature-based metrics from the app overview

5

Health score factors

See your money health broken into five pillars—so you know exactly what to improve.

12

Account types

Track everything from checking to investments without forcing workarounds.

4

Account categories

Organize assets, cash, credit, and savings into a clean overview at a glance.

5

Analytics ranges

Switch between This Month, 3M, 6M, Year, and Custom to spot patterns fast.

FAQ

Clarity before you download

Everything you need to know about PennyFi, from privacy and sync to advanced budgeting and analytics on iPhone, iPad, and Mac.

Get PennyFi on the App Store No card required • Free to start

What schedule options are available for recurring transactions?

Set recurring income or expenses to repeat weekly, bi‑weekly, monthly, quarterly, or annually, and choose a start date so forecasts stay accurate.

Which import formats are supported, and can I export encrypted backups?

Import transactions from CSV files, then create encrypted backup exports you can store locally or in iCloud for safekeeping.

Can I automate categories, payees, and rules?

Yes. Create rule-based automation to assign categories, rename payees, and apply tags so new transactions stay consistent.

What customization options are available?

Choose themes, set your base currency, and switch date formats to match your region and preferences.

How is my data protected with Face ID, Touch ID, and encryption?

Lock PennyFi with Face ID, Touch ID, or a passcode, and keep data encrypted on device and in any exported backups.

Does PennyFi support multiple languages and accessibility tools?

PennyFi follows iOS and macOS accessibility settings (Dynamic Type, VoiceOver) on iPhone, iPad, and Mac, and includes localized language options from within the app.