SPEND
PennyTracker
Analytics
$2,500this month
  • Food 35%
  • Shopping 23%
  • Transport 15%
  • Utilities 10%
  • Fun 10%
  • Other 7%
Home Receipt Coupons VIP
PennyTracker
Expenses
This month
$1,840.50
🧾Target — receipt-$64.20
☕Coffee-$5.25
⛽Gas-$48.00
💵Paycheck+$612.00
＋ Scan a receipt
Home Receipt Coupons VIP
PennyTracker
Wallet
Visa · Debt
•••• •••• •••• ••27
Jane Smith09/28
Debt payoff68%
🏦Checking$3,210
💳Savings$8,940
Home Receipt Coupons VIP
PennyTracker
Achievements
Level 3 · Penny Starter180/500 XP
Badges · 12 of 50
🥇First Budget
🔥7-Day
💰Saver
🎯Goal Met
🏆30-Day
📊Analyst
💎Legend
🚀Pro
Home Receipt Coupons VIP
PennyTracker
Scan Receipt
📸
Point camera at a receipt or coupon
Smart
Fast & free
Premium
AI-powered
＋ Take a photo
Home Receipt Coupons VIP
PennyTracker
Investments
Total portfolio
$19,218.29
6 holdings · live prices
◎SOL$4,218
🔺AVAX$966
🐧PENGU$2,893
Home Receipt Coupons VIP
Penny Tracker

Budgeting Without the Bank Login.

Scan a receipt — AI reads it. Track every dollar across wallets, debts, and income streams. No bank password. Free on iOS & Android.

Download Free

Why Penny Tracker

Real Life Is Complicated.
Your Tracker Should Keep Up.

Built for people with more than one paycheck and one bank account — reservists, landlords, freelancers, families.

📸

AI Receipt Scanning

Snap a photo. It reads the merchant, items, and total — and logs the transaction for you.

🔒

No Bank Login. Ever.

No Plaid, no credentials stored, no cloud sync of your transactions. Privacy is the default.

👛

Multiple Workspaces

Separate wallets for rental income, drill pay, freelance, and the household. Keep it all straight.

🎮

Gamified

50+ badges, levels, daily challenges, and Penny Arcade — learn compound interest by playing.

🧾

Tax-Ready

Schedule E rental support, mileage and travel reimbursement tracking, filing-status modes.

🌍

177 Countries

Multi-currency support, wherever you are. Works on iOS and Android.

All-in-one

Everything You Need, Minus the Bank Login.

Track, budget, collaborate, and plan — Penny Tracker does the heavy lifting, without ever asking for your bank password.

Track

Every dollar, in plain sight

Scan a receipt or log a transaction and Penny Tracker maps it across every wallet and income stream — no bank password required.

Learn more →
Budget

A budget that bends with you

Set limits that move when real life does. Adjust on the fly and keep your focus on the spending that actually moves the needle.

Learn more →
PennyTracker
Tracked this month
$2,847.50
↓ 12% vs last month
🔒
No bank login — ever
Private by default
📸
142 receipts scanned
AI did the typing
Collaborate

Run the money as a team

Open a shared workspace for your partner or family, split the budgeting, and stay on the same page about every dollar.

Learn more →
Plan

Goals with a finish line

Name what you're saving for — a trip, a payoff, a cushion — then shape your cash flow until you actually get there.

Learn more →

Pricing

Free Forever. VIP When You're Ready.

No tricks, no trials. The free tier is genuinely useful — VIP just unlocks more.

✦ Every paid plan unlocks all 5 Penny apps — Tracker · Wise · Arcade · Cart · Chat, plus courses & the private Discord.

Free

$0
forever
  • Unlimited expense tracking
  • Basic budgets & categories
  • Analytics dashboard
  • Cloud sync
  • Guest mode
Get Started

VIP Monthly

$2.99
per month
  • Everything in Free
  • AI receipt scanning
  • Workspaces
  • Money Tools suite
  • Cancel anytime
Start VIP
Most Popular

VIP Yearly

$12.99
per year · ~$1.08/mo
  • Everything in Free
  • AI receipt scanning
  • Advanced calendar filters
  • Workspaces & collaboration
  • Money Tools suite
  • Investment tracking
  • Coupons & rewards
Go VIP

VIP Lifetime

$39.99
one-time
  • Every VIP feature, forever
  • All future updates included
  • Priority support
  • OG Supporter badge
  • Zero recurring charges
Buy Once

FAQ

Got Questions? We've Got Answers.

Everything you need to know about Penny Tracker.

Do I need to connect my bank account?
Nope — and you never can. Penny Tracker doesn't ask for a bank login. You scan receipts or add transactions, and AI does the rest. No Plaid, no stored credentials, no exceptions.
Is Penny Tracker really free?
Yes. The free tier — unlimited expense tracking, basic budgets, the analytics dashboard, cloud sync, and guest mode — is free forever. VIP just unlocks more.
What's the difference between Free and VIP?
Free covers the essentials. VIP adds AI receipt scanning, workspaces & collaboration, the Money Tools suite, investment tracking, and coupons & rewards — plus access to all 5 Penny apps, courses, and the private Discord.
Can I try VIP before paying?
Start free, upgrade when you're ready. VIP Monthly is $2.99 and cancels anytime — so you can test-drive everything without committing to a year.
Is my data sold or shared?
Never. We don't sell or share your financial data — full stop. Privacy-first isn't a feature here; it's the reason Penny Tracker exists.
Can I share budgets with my partner or family?
Yes. Workspaces & collaboration (VIP) let you share a budget with a partner or family and reach your goals together.
What currencies are supported?
177 countries' worth, with multi-currency support and real-time conversion. Track in whatever you actually spend.
Can I delete my account and all my data?
Anytime. Delete your account and your data goes with it — no retention games, no hoops.

Get Started

Take Control of Your
Finances Today.

Join thousands who track every penny — without giving up their privacy.

Download Free → See Pricing